generated: '2026-07-20'
method: searched
source: https://docs.palmetto.com/finance/test-data/ + https://docs.palmetto.com/finance/environments/
notes: >-
  Palmetto Finance (LightReach) publishes a dedicated Next (test/staging)
  environment and a credit-check test-data set. Energy Intelligence offers a
  free sandbox signup for an API key. Test values below are published verbatim
  by Palmetto; do not use in Production ("ALL TESTING SHOULD BE DONE IN NEXT").
test_vs_live:
  finance:
    prod: https://palmetto.finance
    next: https://next.palmetto.finance
    rule: All testing must be done in Next; creating test resources in Production may result in access revocation.
  energy:
    prod: https://palmetto.energy
    next: https://next.palmetto.energy
  energy_intelligence:
    sandbox_signup: https://ei.docs.palmetto.com/docs/getting-started
    free_tier: Up to 500 API calls per month
test_data:
  docs: https://docs.palmetto.com/finance/test-data/
  simulated_credit_check_no_provider:
    ssn_range: "500101005 - 500101017"
    notes: Each SSN in the range triggers a different finance decision (approved with stipulations, declined, or credit frozen). Names and addresses accept any value.
  transunion_sandbox:
    profiles:
    - {name: "Cranberry Saucey", address: "876 Turkey St, Fantasy Island, IL 60750", ssn: "666222525"}
    - {name: "Alfredo Sanchez", address: "2821 Warren Dorris dr, Joliet, IL 60435", ssn: "666427102"}
    - {name: "Sarah Knesley", address: "104 Bonita Avenue, Fowler, CA 93625", ssn: "666563316"}
  equifax_sandbox:
    ssn_prefix: "666"
    example_ssns: ["666014657", "666015082"]
  note: SSNs beginning with 666 and in the 500101xxx range are designated sandbox test values.