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Decision components progress through several statuses during underwriting:

Created

The component has been created but has not yet started processing.

Processing

The component is actively running verification checks.
  • Automated verification is in progress
  • External verification services may be called
  • Results are being collected
Most decision components complete processing within seconds, but some may take longer depending on external verification services or the complexity of the checks.

Accepted

The component has finished processing and all checks passed.
  • All verification checks have completed successfully
  • No further action is required for this component

Not accepted

The component has finished processing and one or more checks did not pass.
  • Verification checks have completed with issues identified
  • The application may transition to Pending for manual review

Action required

The component requires manual intervention or additional information.
  • An underwriter needs to review the results
  • An information request may be created to gather additional data

Service unavailable

An external verification service was unavailable during processing.
  • The component could not complete its checks due to a service outage
  • The component may be retried automatically or require manual intervention