public void SaveTo(string basePath)
{
string type = ServiceType.Replace(" ", "-");
string localBasePath = Path.Combine(basePath, LoanID, "Experian", type);
if (!Directory.Exists(localBasePath))
{
Directory.CreateDirectory(localBasePath);
}
string time = FetchTime.ToString("yyyy-MM-dd_HH-mm-ss");
string fileName = Path.Combine(localBasePath, time + ".xml");
File.WriteAllText(fileName, ExperianRawData, System.Text.Encoding.UTF8);
} // SaveTo
public bool IsExpired(int expirationSeconds) => DateTime.UtcNow > FetchTime.AddSeconds(expirationSeconds);