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Real-World Example

A creditor opens Jane’s consumer profile to review scheduled transactions, payment history, EcoLetters, account expiration, and plan actions. The page should let the creditor support the account without breaking consumer-facing status rules.

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Visual Flow

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How It Should Work

  • It should show a creditor only consumers belonging to its allowed company scope.
  • It should make scheduled transactions, payment history, EcoLetters, and account status easy to inspect.
  • It should preserve history when rescheduling, skipping, reactivating, or changing expiration data.

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How It Should Not Work

  • It should not let creditor support actions bypass consumer status and payment safety rules.
  • It should not expose another creditor consumer profile.
  • It should not silently change future payments without a traceable reason.
Last modified on July 30, 2026