Appearance
Underwriting tab
Last updated: 2026–05-27
The Underwriting tab shows credit, decision execution history, and underwriting-related variables. A gradient star on the Underwriting tab label indicates Arc/AI underwriting insights are available for this application.
Credit Report accordion
| Element | Description |
|---|---|
| Credit Score | Latest score from credit pull or manual entry |
| Credit Bureaus | Provider type string |
| Cache ID / Cache Time | Shown when bureau caching is enabled |
| View Report | When a report URL exists — opens credit report modal |
| Pull Credit | When no report — bureau picker dropdown |
Pull Credit flow
- Click Pull Credit.
- System loads enabled bureaus for the application.
- Select bureau (or sub-provider).
- Payload preview modal may appear before generation.
- On success, report becomes available as View Report.
| Edge case | UI behavior |
|---|---|
| No bureaus configured | “No Credit Bureau Enabled” in dropdown |
| Load error | Toast error; dropdown closes |
| Pull in progress | Button shows “Pulling...” |
Decision steps
Underwriting results render as nested accordions (StepsAccordion) per decision/offer execution:
| Step type | Contents |
|---|---|
| Decision | Input parameters, outcome, call tree label |
| Offer | Input variables |
| Offer result | One or more result rows with variable badges |
Variable names link to variable info tooltips (Rules Studio metadata).
Use cases
Understand why an offer amount appears
- Open Underwriting → expand the offer step.
- Review Inputs and Results variable rows.
- Cross-check Offers tab selected offer.
Pull fresh credit mid-review
- Confirm no existing report (or policy allows re-pull).
- Pull Credit → choose bureau → confirm payload if shown.
- Re-run decision from Application tab if variables must refresh.
Investigate decline reason
- Find the decision step with Outcome row.
- Read Call Tree label for the rule path name.
- Follow up in Activity for step-change entries.
Edge cases
| Situation | Notes |
|---|---|
| No underwriting data yet | Skeleton then empty/fallback accordions |
| Multiple offer result rows | Rendered as “Result 1”, “Result 2”, … |
| AI star on tab only | Driven by app_variables underwriting AI payload—not a separate tab |
Implementation notes
- Credit pull calls bureau APIs scoped to
app_id; sandbox uses sandbox DB routing on related webhooks elsewhere. - Underwriting content is read-only on this tab—status changes use Update Status.
- Revert for workflow steps lives on the Application tab, not here.