def build_request_xml(checks, check_data = {})
      builder = Nokogiri::XML::Builder.new do |xml|
        xml.callvalidate do
          authentication(xml)
          xml.sessions do
            xml.session("RID" => Time.now.to_f) do
              xml.data do
                personal_data(xml, check_data[:personal_data])
                card_data(xml, check_data[:card_data])
                bank_data(xml, check_data[:bank_data])
                income_data(xml, check_data[:income_data])
                required_checks(xml, checks)
              end
            end
          end
          xml.application @config[:application_name]
        end
      end
      builder.doc
    end
def build_request_xml(checks, check_data = {})
      builder = Nokogiri::XML::Builder.new do |xml|
        xml.callvalidate do
          authentication(xml)
          xml.sessions do
            xml.session("RID" => Time.now.to_f) do
              xml.data do
                personal_data(xml, check_data[:personal_data])
                card_data(xml, check_data[:card_data])
                bank_data(xml, check_data[:bank_data])
                income_data(xml, check_data[:income_data])
                required_checks(xml, checks)
              end
            end
          end
          xml.application @config[:application_name]
        end
      end
      builder.doc
    end
Compile the complete XML request to send to Callcredit