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Self-certification allows users to review and confirm (or reject) the employment and account data retrieved during verification. Retrieve the certification results to see whether the user confirmed the data as representative or flagged discrepancies.

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When to use

ScenarioExample
Income verificationBorrower confirms retrieved income matches their actual earnings
Employment confirmationBorrower validates employer name, start date, and pay rate
Asset verificationBorrower reviews account balances and ownership details
Dispute handlingBorrower flags incorrect or outdated data with a reason

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Retrieve certification results [Server-side]

Send a GET request to the order’s /certifications/ endpoint after the user completes their review. 
curl --request GET \
     --url https://prod.truv.com/v1/orders/39aa1486ccca4bc19cda071ffc1ba392/certifications/ \
     --header 'X-Access-Client-Id: YOUR_TRUV_CLIENT_ID' \
     --header 'X-Access-Secret: YOUR_TRUV_CLIENT_SECRET' \
     --header 'Accept: application/json'

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Response structure

Each result contains a decision and either an employment or account object. 
{
  "results": [
    {
      "decision": "representative",
      "employment": {
        "id": "24d7e80942ce4ad58a93f70ce4115f5c",
        "start_date": "2018-01-01",
        "pay_rate": "25.50",
        "pay_date": "2023-12-15",
        "company": {
          "name": "Facebook"
        }
      }
    },
    {
      "decision": "not_representative",
      "rejection_reason": "incorrect_amount",
      "rejection_comment": "Balance is outdated",
      "account": {
        "id": "bc917458a3da4b2c8cc8282aa1707aaa",
        "type": "CHECKING",
        "mask": "1234",
        "routing_number": "021000021",
        "balance": "1500.25",
        "owners": [
          { "full_name": "John Doe" }
        ]
      }
    }
  ]
}

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Decision values

DecisionMeaning
representativeBorrower confirmed the data is accurate
not_representativeBorrower flagged the data as inaccurate

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Rejection reasons

When the decision is not_representative, the result includes a rejection_reason:
ReasonDescription
employment_no_longer_activeBorrower is no longer employed at this company
incorrect_amountIncome or balance amount is wrong
duplicate_entryEmployer or account appears more than once
outdated_informationData is stale or no longer current
otherBorrower provided a custom explanation in rejection_comment

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Next steps

Follow-up

Re-engage users who didn’t finish verification

Embedded Orders

Full embedded orders implementation guide