> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pingtree.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Spinwheel Credit Pull by SMS Verification

> Trigger a credit data pull using Spinwheel’s OTP-based verification. Updates lead record with real debt amount and qualification status.

The **Spinwheel Credit Pull by SMS Verification** integration allows for a secure credit data pull using OTP (One-Time Password) confirmation via SMS. It leverages Spinwheel's API to retrieve the user’s verified debt amount after they validate their phone number.

> **Note:** The **Debt Amount Integration** must be enabled at the **Source level** for this feature to function properly.

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## Funnel Form Flow Step-Level Configuration

**Configuration Path:**\
`Funnel > Form Flow > Step Edit Setting > Credit Pull by SMS Verification`

<img className="block" src="https://mintcdn.com/pingtree/hqAE1iDV4Jw4gz-D/assets/images/docs/documentations/integrations/spinwheel1.png?fit=max&auto=format&n=hqAE1iDV4Jw4gz-D&q=85&s=ed9b791c6abecc0e22586976aa902c60" alt="All Sources" width="1048" height="745" data-path="assets/images/docs/documentations/integrations/spinwheel1.png" />

### Functionality

* Toggle **"Credit Pull by SMS Verification"** after the step where all required data (like phone number) is collected.
* When enabled:
  * An **OTP** will be sent to the user's mobile number.
  * Upon **successful OTP verification**, a **credit pull** is triggered via Spinwheel.
  * The response data is used to **update the lead record**.

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## Fields Updated in the Lead Record

After the credit pull is complete, the system stores the following fields:

| Field            | Description                                                                                                                                          |
| ---------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| `debt_amount`    | The actual debt amount retrieved via Spinwheel                                                                                                       |
| `qualified_lead` | `true` or `false` — Indicates if the pulled debt amount is **less than or equal to** the threshold set in the source-level debt amount configuration |

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> **Tip:** Use this OTP-based credit check for an extra layer of consent and validation before accepting or routing high-value leads.