Real-World Example
ABC Collections moves its support team from Eastern Time to Central Time and updates its business hours. The creditor opens Account Settings, changes the timezone and operating hours, and saves. After the update, the creditor’s portal profile should show the new company settings. Any place that relies on the company timezone or operating hours should use the updated values.Visual Flow
How It Should Work
- It should let authorized creditor users update the company profile and main contact details.
- It should keep user contact details and company details connected to the same creditor account.
- It should store operating hours in a consistent way while showing them according to the selected timezone.
- It should allow a valid profile image upload.
- If the business category changes, the portal badge should update.
Verified Identity and Editable Details
During onboarding, the company information and Federal Tax ID (TIN) are verified through Middesk. The verified identity becomes the creditor’s permanent ECO Address, which identifies the creditor and routes consumer Notice Responses and communications.
Changes to editable information should appear throughout the portal after saving without changing the verified ECO Address. The Federal TIN and other verified identity fields must not be modified from Account Settings.
How It Should Not Work
- It should not update another creditor’s company profile.
- It should not allow verified ECO Address or Federal TIN changes.
- It should not accept invalid profile images or unsafe file types.
- It should not show old contact information after a successful update.
- It should not apply the wrong timezone to company hours.