Test Credentials

Use these credentials when testing with Truv Bridge in sandbox mode.

For additional login fields, use: Phone: (111)111-1111 | Email: goodlogin@domain.com

Sandbox returns canned datasets — payloads, pay-period dates, and document parsing results are not derived from the actual input. Use sandbox to test integration shape (auth, callbacks, webhook handling, error paths). For recency-sensitive logic (e.g., decisioning that depends on whether pay periods fall within the last N days), validate against production data — sandbox dates may not match the current calendar window.

Sandbox credentials

Universal Login Scenarios
Employer / Payroll
Financial Accounts

These credentials apply to all products. Use them to test authentication flows and error handling.

Username	Password	Scenario
`goodlogin`	`goodpassword`	Successful login with complete data
`goodlogin`	`no_data`	No data found after successful login
`goodlogin`	`mfa`	MFA flow: enter code: 12345
`goodlogin`	`mfa_captcha`	MFA flow: enter answer: 9M4BP
`goodlogin`	`mfa_select`	MFA flow: verification method selection
`goodlogin`	`longcheck`	Wait state: ~30 second processing delay
`error.user`	`login_error`	Incorrect credentials
`error.user`	`mfa_error`	MFA verification failed
`error.user`	`account_locked`	Account locked by provider
`error.user`	`unavailable`	Provider under maintenance
`error.user`	`error`	Generic login error
`error.user`	`config_error`	Organization ID configuration failure

These credentials are available for Income & Employment (VOIE), Employment History (VOE), Direct Deposit Switch (DDS), and Paycheck Linked Lending (PLL).

Username	Password	SSN	Scenario
`goodlogin`	`goodpassword`	991-91-9991	Successful login with complete data
`goodlogin.weekly`	`goodpassword`	991-91-9991	Weekly pay frequency
`goodlogin.semimonthly`	`goodpassword`	991-91-9991	Semi-monthly pay frequency
`goodlogin.monthly`	`goodpassword`	991-91-9991	Monthly pay frequency
`goodlogin.min-data`	`goodpassword`	991-91-9991	Minimal information returned
`fulltime`	`goodpassword`	2211	Full-time salesperson
`hourly.part-time`	`goodpassword`	666382548	Hourly part-time worker
`partial.data`	`goodpassword`	2222	Partial payroll data
`military`	`goodpassword`	9988	Military MyPay data
`multiple.employments`	`goodpassword`	—	Multiple different employers
`multiple.employments2`	`goodpassword`	7740	Multiple same-employer positions
`nonactive`	`goodpassword`	1890	Employment with end date
`unemployment`	`goodpassword`	9988	Unemployment benefits (weekly)
`goodlogin.shift`	`goodpassword`	—	Gig worker with earned wage access

Retirement, disability, and veterans benefitsRetirement and Disability scenarios return a sample Social Security Administration Benefits Verification Letter. Veterans Benefits return a VA Benefit Summary Letter (Veterans Affairs provider) or a retirement paystub (DFAS myPay provider).Search for the desired benefit type in Truv Bridge, select a login method, and use goodlogin / goodpassword.

Username	Password	Scenario
`goodlogin`	`goodpassword`	Complete data
`goodlogin`	`good_asset`	30 days of data
`goodlogin`	`low_risk`	Low risk consumer profile
`goodlogin`	`high_risk`	High risk consumer profile
`goodlogin.checking`	`goodpassword`	Checking
`goodlogin.checking.savings`	`goodpassword`	Checking, Savings
`goodlogin.card`	`goodpassword`	Checking, Savings, Credit Card
`goodlogin.inv`	`goodpassword`	Investment
`goodlogin.all`	`goodpassword`	Checking, Savings, Credit Card, Investment
`goodlogin.gig`	`goodpassword`	Gig economy income
`goodlogin.tax.credits`	`goodpassword`	Tax credits
`goodlogin.unemployment`	`goodpassword`	Unemployment benefits
`goodlogin.benefits`	`goodpassword`	Benefits
`goodlogin.gov.benefits`	`goodpassword`	Government benefits
`goodlogin.gov.employee`	`goodpassword`	Government employee
`goodlogin.retirement`	`goodpassword`	Retirement
`goodlogin.ewa`	`goodpassword`	Earned wage access
`goodlogin.rental`	`goodpassword`	Rental income
`goodlogin.interest`	`goodpassword`	Interest income
`sit`	`goodpassword`	Certificate of Deposit, Investments (Stocks and Bonds)

Sample reports

These sample PDFs show the verification reports generated for specific test credential scenarios. Use them to preview report formatting and data structure before building your integration.

VOIE reports

Scenario	Credentials	Sample PDF
Standard (bi-weekly)	`goodlogin` / `goodpassword`	Download PDF
Weekly pay frequency	`goodlogin.weekly` / `goodpassword`	Download PDF
Semi-monthly pay frequency	`goodlogin.semimonthly` / `goodpassword`	Download PDF
Monthly pay frequency	`goodlogin.monthly` / `goodpassword`	Download PDF

To generate your own sample reports in sandbox, create an order with the desired test credentials, then retrieve the report using GET /v1/users/{user_id}/reports/{report_id}/?fmt=pdf. See Sample Reports for retrieval details.

For GSE-specific sample reports (Fannie Mae D1C and Freddie Mac AIM), see the dedicated test scenarios on the Fannie Mae and Freddie Mac pages.

Testing in production

Test scenarios are also available in production mode using the following providers. Search for them by name in Truv Bridge.

Provider	Type	Use case
Truv Payroll Provider	Payroll	Test VOIE, VOE, DDS, and PLL flows
Truv Bank OAuth	Financial accounts (OAuth)	Test asset and transaction flows with OAuth login
Truv Bank non-OAuth	Financial accounts (credentials)	Test asset and transaction flows with username/password login

Use the same test credentials from the tables above. These providers return sandbox-quality data in your production environment.

Refresh testing

Data refreshes automatically succeed with goodlogin / goodpassword. To test a failed refresh, use goodlogin / mfa_captcha for the initial verification. The refresh will fail with mfa_error status.

Native reset for authentication

Truv Sandbox supports authentication reset workflows. Enter values in the requested fields, then use goodlogin credentials for MFA verification. For embedded flows, borrowers may be required to complete MFA during refresh. Use MFA credentials in the original verification and trigger a data refresh via the API to test this scenario.

Native logins in mobile SDKs in sandbox are available when using Truv payroll provider. Native login for other providers works in production mode only.

Supported companies for testing

The list below contains the available information for Mapping. These companies return a company_mapping_id value for integration.

Facebook: Workday
Bank of America: Company with single sign on
Kroger: Custom integration
Fannie Mae: ADP
Freddie Mac: Workday

In the emulator, only sandbox companies have the correct company_mapping_id value. Production environments have all valid mapping information values for many large US-based organizations and data providers.

Get Started

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Implementation

Bridge SDK

Testing & Launch

Dashboard & Configuration

Coverage

Test Credentials

Sandbox credentials

Sample reports

VOIE reports

Testing in production

Refresh testing

Native reset for authentication

Supported companies for testing

Get Started

Start Building

Implementation

Bridge SDK

Testing & Launch

Dashboard & Configuration

Coverage

Documentation Index

​Sandbox credentials

​Sample reports

​VOIE reports

​Testing in production

​Refresh testing

​Native reset for authentication

​Native login via mobile SDKs

​Supported companies for testing

Sandbox credentials

Sample reports

VOIE reports

Testing in production

Refresh testing

Native reset for authentication

Native login via mobile SDKs

Supported companies for testing