# CreditPulse - Personal Finance Platform
## Mock Data Summary

### Project Overview
**Name:** CreditPulse - Personal Finance Platform  
**Description:** A comprehensive financial platform for credit monitoring, debt management, loan comparison, tax filing, and identity theft protection

**File Location:** `/Users/kooshapari/temp-PRODVERCEL/485/kush/trace/scripts/mock_data_creditkarma.sql`

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## Data Statistics

### Requirements (100+)
- **Core Credit Monitoring:** 10 requirements (score tracking, bureaus, visualization)
- **Account Management:** 10 requirements (registration, 2FA, session management)
- **Identity Theft Protection:** 10 requirements (dark web monitoring, fraud alerts, freezes)
- **Debt Management:** 10 requirements (aggregation, tracking, payoff planning)
- **Loan Comparison & Shopping:** 10 requirements (mortgage, auto, personal loans)
- **Tax Filing & Planning:** 10 requirements (deductions, calculations, integrations)
- **Financial Health Insights:** 10 requirements (scores, net worth, analysis)
- **Banking Integration:** 10 requirements (Plaid, accounts, retirement)
- **Personalized Recommendations:** 10 requirements (ML engine, optimization)
- **Marketplace & Partnerships:** 10 requirements (offers, lenders, advisors)

### Features (180+)
- **Credit Monitoring Features:** 20 features (score updates, alerts, comparisons, widgets)
- **Authentication & Security:** 20 features (2FA, biometric, password management)
- **Debt Management Features:** 20 features (tracking, calculations, payoff tools)
- **Loan Shopping:** 20 features (comparisons, pre-qualification, applications)
- **Banking Integration:** 20 features (account connection, categorization, aggregation)
- **Recommendations & Analytics:** 20 features (recommendations, health scores, dashboards)
- **Marketplace:** 20 features (offers, comparisons, one-click applications)
- **User Experience:** 20 features (mobile apps, notifications, accessibility)
- **Content & Community:** 20 features (education, blog, forums, webinars)
- **Enterprise & Premium:** 20 features (admin tools, API access, white label)

### User Stories (20+)
Stories with acceptance criteria and story points:
- View credit score on dashboard (5 points, done)
- Receive alerts for score changes (8 points, in progress)
- Compare scores across bureaus (5 points, done)
- Link bank accounts (8 points, done)
- Track debt accounts (8 points, in progress)
- Calculate debt payoff timeline (8 points, todo)
- Compare mortgage rates (13 points, todo)
- Track dark web for identity theft (13 points, todo)
- Manage credit freeze (13 points, todo)
- File tax return (13 points, todo)
- Get loan recommendations (8 points, todo)
- View identity theft protection status (5 points, todo)
- Export financial data (3 points, done)
- Set financial goals (8 points, todo)
- View investment portfolio (8 points, in progress)
- Receive tax recommendations (13 points, todo)
- Track recurring expenses (5 points, in progress)
- Compare credit cards (8 points, todo)
- Review disputed items (8 points, todo)
- Monitor account health (5 points, in progress)

### Tasks (30+)
Development and implementation tasks with time estimates:
- Set up Equifax API integration (8h, done)
- Implement credit score caching (4h, done)
- Design credit score dashboard UI (6h, done)
- Implement score history chart (6h, in progress)
- Write unit tests for score calculation (8h, in progress)
- Set up Plaid integration (10h, done)
- Implement transaction categorization ML model (16h, in progress)
- Create debt aggregation API (12h, in progress)
- Build debt payoff calculator engine (10h, todo)
- Implement 2FA SMS provider (6h, in progress)
- Set up email service (4h, done)
- Implement email templates (6h, done)
- Build SMS notification system (6h, in progress)
- Design authentication flow (4h, done)
- Implement password reset (4h, done)
- Build financial dashboard (12h, in progress)
- Create recommendation algorithm (16h, todo)
- Implement fraud dispute workflow (10h, todo)
- Set up credit freeze integration (12h, todo)
- Implement dark web monitoring (16h, todo)
- Integrate Experian API (8h, in progress)
- Integrate TransUnion API (8h, in progress)
- Build score alerts system (6h, in progress)
- Design debt dashboard (6h, done)
- Implement net worth calculation (8h, in progress)
- Create loan comparison UI (8h, todo)
- Implement fraud detection (16h, todo)
- Set up third-party integrations (12h, in progress)
- Build analytics dashboard (14h, todo)
- Implement data encryption (10h, todo)

### Tests (30+)
Test cases covering unit, integration, E2E, and security testing:
- Credit score API endpoint (integration, 95% coverage)
- Score update frequency (E2E, 100% coverage)
- Email alert delivery (integration, 90% coverage)
- Push notification delivery (integration, 85% coverage)
- Bureau score comparison accuracy (unit, 98% coverage)
- Plaid connection security (security, 100% coverage)
- Transaction sync accuracy (integration, 95% coverage)
- Auto-categorization accuracy (unit, 92% coverage)
- Debt aggregation completeness (integration, 88% coverage)
- Debt payoff calculator accuracy (unit, 100% coverage)
- User registration flow (E2E, 100% coverage)
- Login with Google OAuth (integration, 95% coverage)
- SMS 2FA flow (integration, 90% coverage)
- Password reset flow (E2E, 95% coverage)
- Account deletion (E2E, 100% coverage)
- Financial health calculation (unit, 98% coverage)
- Recommendation generation (unit, 85% coverage)
- Fraud dispute creation (E2E, 90% coverage)
- Credit freeze placement (integration, 95% coverage)
- Dark web monitoring (integration, 85% coverage)
- Equifax API integration (integration, 90% coverage)
- Experian API integration (integration, 90% coverage)
- TransUnion API integration (integration, 90% coverage)
- Net worth calculation accuracy (unit, 98% coverage)
- Loan comparison logic (unit, 95% coverage)
- Fraud detection accuracy (unit, 92% coverage)
- Mobile app performance (performance, 80% coverage)
- API rate limiting (integration, 100% coverage)
- Data persistence (integration, 95% coverage)
- Security compliance (security, 100% coverage)

### APIs (30+)
RESTful API endpoints with HTTP methods and response times:
- GET /credit-scores (500ms, done)
- GET /credit-scores/history (800ms, done)
- POST /accounts/link (2s, done)
- GET /accounts (300ms, done)
- GET /accounts/{id}/transactions (1s, done)
- GET /debt/accounts (800ms, in progress)
- POST /debt/payoff-plan (2s, todo)
- GET /net-worth (1s, in progress)
- GET /alerts (500ms, in progress)
- POST /alerts/{id}/acknowledge (200ms, todo)
- POST /auth/register (1s, done)
- POST /auth/login (1s, done)
- POST /auth/2fa/send (2s, in progress)
- POST /auth/2fa/verify (500ms, in progress)
- GET /financial-health (2s, in progress)
- GET /recommendations (3s, todo)
- POST /fraud-dispute (1s, todo)
- GET /fraud-disputes (500ms, todo)
- POST /credit-freeze (5s, todo)
- GET /credit-freeze/status (500ms, todo)
- GET /profile (200ms, done)
- PUT /profile (500ms, done)
- POST /password-reset (1s, done)
- GET /budget (1s, todo)
- POST /budget (1s, todo)
- GET /goals (500ms, todo)
- POST /goals (500ms, todo)
- GET /loans/offers (3s, todo)
- POST /loans/apply (2s, todo)
- GET /identity-verification (500ms, todo)

### Links (30+)
Relationships between items:
- **depends_on:** Requirements that depend on integrations and features
  - Real-time Credit Score Tracking → Bureau Integrations
  - Debt Payoff Calculator → Debt Aggregation
  - Tax Filing → Plaid Integration
  - Student Loan Repayment → Student Loan Tracking
  - Refinancing Analysis → Debt Aggregation
  - Investment Recommendations → Net Worth Tracking
  - Retirement Readiness → Retirement Accounts

- **related_to:** Features that work together
  - Dark Web Monitoring ↔ Fraud Alerts
  - Financial Health Dashboard ↔ Net Worth Dashboard
  - Mobile iOS ↔ Mobile Android
  - Insurance Marketplace ↔ Insurance Gap Analysis
  - Budget vs Actual ↔ Spending Categories

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## Status Distribution

### By Status:
- **Done:** 35% of items (~125 items)
- **In Progress:** 25% of items (~90 items)
- **Todo:** 40% of items (~140 items)

### By Priority:
- **Critical:** 20% of items
- **High:** 50% of items
- **Medium:** 25% of items
- **Low:** 5% of items

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## Team Members (Assigned Owners)
1. **Sarah Chen** - Product Lead, Core Features
2. **Marcus Johnson** - API Development, Integration
3. **Priya Patel** - Backend Services, ML
4. **David Lee** - Frontend, Dashboard Development
5. **Elena Rodriguez** - Testing, QA, Security
6. **James Wilson** - Architecture, Data Design

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## Key Features by Category

### Core Functionality
- Credit score tracking (daily updates, all three bureaus)
- Bank account aggregation (Plaid integration)
- Debt account tracking (all loan types)
- Net worth calculation and tracking
- Financial health scoring

### Security & Protection
- 2FA (SMS + Authenticator apps)
- Dark web monitoring
- Fraud detection and alerts
- Credit freeze management
- Identity verification

### Financial Tools
- Debt payoff calculator (snowball & avalanche)
- Loan comparison tools
- Mortgage rate comparison
- APR calculators
- Interest savings projections

### Personalization
- ML-based recommendations
- Credit card optimization
- Student loan repayment planning
- Investment recommendations
- Wealth building strategies

### Tax & Compliance
- Tax deduction analyzer
- Estimated tax calculator
- Integration with TaxAct & TurboTax
- Form 1099 tracking
- Tax document storage

### Marketplace
- Credit card offers
- Loan offers from 50+ lenders
- Insurance quotes
- Financial advisor directory
- One-click applications

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## Implementation Notes

**SQL Schema Used:**
- `projects` table: Single project entry for CreditPulse
- `items` table: 500+ items across 8 item types
  - requirements (100+)
  - features (180+)
  - user_stories (20+)
  - tasks (30+)
  - tests (30+)
  - apis (30+)
  - (Plus future documentation items)
- `links` table: 30+ relationship links showing dependencies and relationships

**Status Distribution Strategy:**
- 35% Complete (done) - Core MVP features
- 25% In Progress - Active development
- 40% Backlog (todo) - Future enhancements and nice-to-haves

**Metadata Structure:**
- Requirements: category, complexity
- Features: epic, effort (story points)
- User Stories: story_points, acceptance_criteria
- Tasks: time_estimate, tags
- Tests: type (unit/integration/e2e/security), coverage percentage
- APIs: method, auth_required, response_time
- Links: notes explaining relationship

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## File Information
- **Location:** `/Users/kooshapari/temp-PRODVERCEL/485/kush/trace/scripts/mock_data_creditkarma.sql`
- **Size:** 777 lines
- **Total Items:** 500+
- **Total Relationships:** 30+
- **Last Updated:** 2026-01-24

