$state = $_REQUEST[state];
  $type = $_REQUEST[type];
  $street = $_REQUEST[street];
  $city = $_REQUEST[city];
  $zipcode = $_REQUEST[zipcode];
  $fname = $_REQUEST[fname];
  $lname = $_REQUEST[lname];
  $email = $_REQUEST[email];
  $phone = $_REQUEST[phone];
  $estCreditScore = $_REQUEST[estCreditScore];
  $estLoanAmount = $_REQUEST[estLoanAmount];
  $estDownPayment = $_REQUEST[estDownPayment];
  $monthlyIncome = $_REQUEST[monthlyIncome];
  $ssn = $_REQUEST[ssn];

$output = htmlspecialchars("<REQUEST_GROUP MISMOVersionID="2.3.1">   <RECEIVING_PARTY _Name="8888"/>    <REQUEST InternalAccountIdentifier="Identifier" LoginAccountIdentifier="acc" LoginAccountPassword="pass!">        <REQUEST_DATA>            <CREDIT_REQUEST MISMOVersionID="2.3.1">                <CREDIT_REQUEST_DATA CreditReportRequestActionType="Submit" CreditReportType="Merge">                    <CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="Y" _ExperianIndicator="Y" _TransUnionIndicator="Y"/>                    <CREDIT_SCORE_MODEL_NAME _Type="EquifaxBeacon"/>                    <CREDIT_SCORE_MODEL_NAME _Type="TransUnionEmpirica"/>                </CREDIT_REQUEST_DATA>                <LOAN_APPLICATION>                    <BORROWER BorrowerID="BOR01" _FirstName="$_REQUEST[fname]" _LastName="$_REQUEST[lname]" _PrintPositionType="Borrower" _SSN="$_REQUEST[ssn]">                        <_RESIDENCE _StreetAddress="$_REQUEST[street]" _City="$_REQUEST[city]" _State="$_REQUEST[state]" _PostalCode="$_REQUEST[zipcode]"/>                    </BORROWER>                                </LOAN_APPLICATION>            </CREDIT_REQUEST>        </REQUEST_DATA>    </REQUEST></REQUEST_GROUP>", ENT_XML1);


$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => "url/url/url",
  CURLOPT_RETURNTRANSFER => 1,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30000,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_SSL_VERIFYHOST => false, //for testing on my dev machine only. To be removed before deployment
  CURLOPT_SSL_VERIFYPEER => false, //for testing on my dev machine only. To be removed before deployment
  CURLOPT_POSTFIELDS => $output,
  CURLOPT_HTTPHEADER => array(
    "Accept: */*",
    "Cache-Control: no-cache",
    "Connection: keep-alive",
    "Content-Type: text/xml",
    "Host: url/url",
    "User-Agent: PostmanRuntime/7.13.0",
    "accept-encoding: gzip, deflate",
    "content-length: 1426"
  ),
));

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);






if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

$state = htmlspecialchars($_REQUEST[state]);
$type = htmlspecialchars($_REQUEST[type]);
$street = htmlspecialchars($_REQUEST[street]);
$city = htmlspecialchars($_REQUEST[city]);
$zipcode = htmlspecialchars($_REQUEST[zipcode]);
$fname = htmlspecialchars($_REQUEST[fname]);
$lname = htmlspecialchars($_REQUEST[lname]);
$email = htmlspecialchars($_REQUEST[email]);
$phone = htmlspecialchars($_REQUEST[phone]);
$estCreditScore = htmlspecialchars($_REQUEST[estCreditScore]);
$estLoanAmount = htmlspecialchars($_REQUEST[estLoanAmount]);
$estDownPayment = htmlspecialchars($_REQUEST[estDownPayment]);
$monthlyIncome = htmlspecialchars($_REQUEST[monthlyIncome]);
$ssn = htmlspecialchars($_REQUEST[ssn]);

$output = <<< XML
<REQUEST_GROUP MISMOVersionID="2.3.1">
   <RECEIVING_PARTY _Name="8888"/>
   <REQUEST InternalAccountIdentifier="Identifier" LoginAccountIdentifier="acc" LoginAccountPassword="pass!">
        <REQUEST_DATA>
            <CREDIT_REQUEST MISMOVersionID="2.3.1">
                <CREDIT_REQUEST_DATA CreditReportRequestActionType="Submit" CreditReportType="Merge">
                    <CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="Y" _ExperianIndicator="Y" _TransUnionIndicator="Y"/>
                    <CREDIT_SCORE_MODEL_NAME _Type="EquifaxBeacon"/>
                    <CREDIT_SCORE_MODEL_NAME _Type="TransUnionEmpirica"/>
                </CREDIT_REQUEST_DATA>
                <LOAN_APPLICATION>
                    <BORROWER BorrowerID="BOR01" _FirstName="$fname" _LastName="$lname" _PrintPositionType="Borrower" _SSN="$ssn">
                        <_RESIDENCE _StreetAddress="$street" _City="$city" _State="$state" _PostalCode="$zipcode"/>
                    </BORROWER>
                </LOAN_APPLICATION>
            </CREDIT_REQUEST>
        </REQUEST_DATA>
    </REQUEST>
</REQUEST_GROUP>
XML;



$curl = curl_init();

curl_setopt_array($curl, array[
    CURLOPT_URL => "url/url/url",
    CURLOPT_RETURNTRANSFER => 1,
    CURLOPT_ENCODING => "",
    CURLOPT_MAXREDIRS => 10,
    CURLOPT_TIMEOUT => 30000,
    CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
    CURLOPT_CUSTOMREQUEST => "POST",
    CURLOPT_POSTFIELDS => $output,
    CURLOPT_HTTPHEADER => [
      "Content-Type: text/xml",
      "Content-Length: " . strlen($output),
    ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);