| 2383045 |
2012-12 |
$8,875 |
$0 |
Charged off |
60 |
Strong: No paymentStrong: Shared identity
- No payment made: charged off with no payment received; 510.31 recovered under collections against 8,875.00 funded.
- Shared identity details within 90 days: cluster a4daecd4 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 61 days apart.
|
–
|
| 451575 |
2009-11 |
$24,000 |
$0 |
Charged off |
55 |
Strong: No paymentMedium: Outside policyWeak: Round income+1 more reasons
- No payment made: charged off with no payment received; 1,080.00 recovered under collections against 24,000.00 funded.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 250,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 5 bureau inquiries in the six months before origination.
|
–
|
| 46702776 |
2015-04 |
$13,000 |
$3,727 |
Current |
55 |
Strong, integrity: Instalment offMedium: Behind scheduleMedium: Score fallen+2 more reasons
- Instalment off the amortised payment: instalment 296.84 against 251.33 implied by amount, rate and term.
- Current but behind schedule: current with principal paid covering 36.6 of 46 instalments due (one more allowed in transit), 9.4 behind schedule; 3,727.18 outstanding.
- Credit score fallen since origination: current with credit score 570 against 675 at origination, 105 points lower; 3,727.18 outstanding.
- Rate off the month's grid: rate 6.00% where sub-grade D5 loans in 2015-04 were priced at 17.86%.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 409248 |
2009-05 |
$4,600 |
$0 |
Charged off |
55 |
Strong: Nothing recoveredMedium: Outside policyWeak: Round income+1 more reasons
- No payment, nothing recovered: charged off with no payment and nothing recovered against 4,600.00 funded; consistent with third-party fraud.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 75,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 4 bureau inquiries in the six months before origination.
|
–
|
| 263711 |
2008-02 |
$3,000 |
$0 |
Charged off |
55 |
Strong: No paymentMedium: Outside policyWeak: Round income+1 more reasons
- No payment made: charged off with no payment received; 0.80 recovered under collections against 3,000.00 funded.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 40,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 8 bureau inquiries in the six months before origination.
|
–
|
| 61350247 |
2015-10 |
$18,000 |
$8,538 |
Current |
50 |
Strong, integrity: Instalment offMedium: Behind scheduleMedium: Score fallen+1 more reasons
- Instalment off the amortised payment: instalment 378.39 against 347.99 implied by amount, rate and term.
- Current but behind schedule: current with principal paid covering 30.5 of 40 instalments due (one more allowed in transit), 9.5 behind schedule; 8,538.00 outstanding.
- Credit score fallen since origination: current with credit score 585 against 690 at origination, 105 points lower; 8,538.00 outstanding.
- Rate off the month's grid: rate 6.00% where sub-grade D2 loans in 2015-10 were priced at 16.55%.
|
–
|
| 40564292 |
2015-02 |
$35,000 |
$0 |
Charged off |
50 |
Strong: No paymentMedium: Bust-outWeak: Recent inquiries
- No payment made: charged off with no payment received; 6,442.22 recovered under collections against 35,000.00 funded.
- Bust-out pattern at origination: revolving utilisation 94.0%, 2 bureau inquiries in six months and 6 accounts opened in 24 months.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest 1 month before origination.
|
–
|
| 449262 |
2009-10 |
$25,000 |
$0 |
Charged off |
50 |
Strong: No paymentMedium: Outside policyWeak: Recent inquiries
- No payment made: charged off with no payment received; 1,125.00 recovered under collections against 25,000.00 funded.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 6 bureau inquiries in the six months before origination.
|
–
|
| 53675211 |
2015-07 |
$21,000 |
$0 |
Charged off |
50 |
Strong: Shared identityMedium: Stopped by month 3Weak: Recent inquiries
- Shared identity details within 90 days: cluster 8509c8e6 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 62 days apart.
- Stopped paying within three months: charged off; last payment 2015-09, 2 months after origination.
- Recent bureau inquiries: 3 bureau inquiries in six months, the latest 1 month before origination.
|
–
|
| 63919895 |
2015-11 |
$15,000 |
$0 |
Charged off |
50 |
Strong: No paymentStrong, integrity: Recovered over fundedWeak: Round income
- No payment made: charged off with no payment received; 15,721.17 recovered under collections against 15,000.00 funded.
- Recoveries above the amount funded: 15,721.17 recovered against 15,000.00 funded.
- Round unverified income, early default: stated income 95,000, a multiple of 5,000, not verified.
|
–
|
| 65821312 |
2015-11 |
$13,075 |
$0 |
Charged off |
50 |
Strong: No paymentStrong, integrity: Recovered over fundedWeak: Recent inquiries
- No payment made: charged off with no payment received; 13,595.41 recovered under collections against 13,075.00 funded.
- Recoveries above the amount funded: 13,595.41 recovered against 13,075.00 funded.
- Recent bureau inquiries: 3 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 472762 |
2010-01 |
$10,000 |
$0 |
Charged off |
50 |
Strong: Nothing recoveredMedium: Outside policyWeak: Recent inquiries
- No payment, nothing recovered: charged off with no payment and nothing recovered against 10,000.00 funded; consistent with third-party fraud.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 5 bureau inquiries in the six months before origination.
|
–
|
| 476482 |
2010-01 |
$7,700 |
$0 |
Charged off |
50 |
Strong: No paymentMedium: Outside policyWeak: Recent inquiries
- No payment made: charged off with no payment received; 346.50 recovered under collections against 7,700.00 funded.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 5 bureau inquiries in the six months before origination.
|
–
|
| 192581 |
2008-01 |
$7,000 |
$0 |
Charged off |
50 |
Strong: Shared identityMedium: Outside policyWeak: Recent inquiries
- Shared identity details within 90 days: cluster ea65b5ae shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 31 days apart.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 7 bureau inquiries in the six months before origination.
|
–
|
| 255655 |
2008-02 |
$7,000 |
$0 |
Charged off |
50 |
Strong: Shared identityMedium: Outside policyWeak: Recent inquiries
- Shared identity details within 90 days: cluster ea65b5ae shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 31 days apart.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 9 bureau inquiries in the six months before origination.
|
–
|
| 60706795 |
2015-09 |
$6,000 |
$0 |
Charged off |
50 |
Strong: No paymentMedium: Duplicate termsWeak: Round income
- No payment made: charged off with no payment received; 354.96 recovered under collections against 6,000.00 funded.
- Same amount, rate, term, date and postcode: matches loan 60871241.
- Round unverified income, early default: stated income 35,000, a multiple of 5,000, not verified.
|
–
|
| 304387 |
2008-03 |
$4,400 |
$0 |
Charged off |
50 |
Strong: Shared identityMedium: Outside policyWeak: Recent inquiries
- Shared identity details within 90 days: cluster 4143a6cf shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 0 days apart.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 6 bureau inquiries in the six months before origination.
|
–
|
| 39531903 |
2015-02 |
$4,200 |
$0 |
Charged off |
50 |
Strong: No paymentStrong, integrity: Recovered over fundedWeak: Recent inquiries
- No payment made: charged off with no payment received; 4,381.72 recovered under collections against 4,200.00 funded.
- Recoveries above the amount funded: 4,381.72 recovered against 4,200.00 funded.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 509010 |
2010-04 |
$4,200 |
$0 |
Charged off |
50 |
Strong: No paymentMedium: Outside policyWeak: Recent inquiries
- No payment made: charged off with no payment received; 189.00 recovered under collections against 4,200.00 funded.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 6 bureau inquiries in the six months before origination.
|
–
|
| 577535 |
2010-09 |
$4,000 |
$0 |
Charged off |
50 |
Strong: No paymentMedium: Outside policyWeak: Recent inquiries
- No payment made: charged off with no payment received; 180.00 recovered under collections against 4,000.00 funded.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 6 bureau inquiries in the six months before origination.
|
–
|
| 267995 |
2008-03 |
$3,200 |
$0 |
Charged off |
50 |
Strong: Shared identityMedium: Outside policyWeak: Recent inquiries
- Shared identity details within 90 days: cluster 2c3a16f6 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 31 days apart.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 4 bureau inquiries in the six months before origination.
|
–
|
| 271819 |
2008-03 |
$3,200 |
$0 |
Charged off |
50 |
Strong: Nothing recoveredMedium: Outside policyWeak: Recent inquiries
- No payment, nothing recovered: charged off with no payment and nothing recovered against 3,200.00 funded; consistent with third-party fraud.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 5 bureau inquiries in the six months before origination.
|
–
|
| 474940 |
2010-01 |
$2,000 |
$0 |
Charged off |
50 |
Strong: No paymentMedium: Outside policyWeak: Recent inquiries
- No payment made: charged off with no payment received; 90.00 recovered under collections against 2,000.00 funded.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 6 bureau inquiries in the six months before origination.
|
–
|
| 506205 |
2010-04 |
$2,000 |
$0 |
Charged off |
50 |
Strong: No paymentMedium: Outside policyWeak: Recent inquiries
- No payment made: charged off with no payment received; 90.00 recovered under collections against 2,000.00 funded.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 4 bureau inquiries in the six months before origination.
|
–
|
| 298607 |
2008-03 |
$1,125 |
$0 |
Charged off |
50 |
Strong: Shared identityMedium: Outside policyWeak: Recent inquiries
- Shared identity details within 90 days: cluster 4143a6cf shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 0 days apart.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 6 bureau inquiries in the six months before origination.
|
–
|
| 49673562 |
2015-05 |
$25,000 |
$7,819 |
Late |
45 |
Strong: Shared identityMedium: Score fallen
- Shared identity details within 90 days: cluster 007f5d9c shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 61 days apart.
- Credit score fallen since origination: late with credit score 590 against 705 at origination, 115 points lower; 7,818.54 outstanding.
|
–
|
| 51978290 |
2015-07 |
$25,000 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 26,308.47 recovered under collections against 25,000.00 funded.
- Recoveries above the amount funded: 26,308.47 recovered against 25,000.00 funded.
|
–
|
| 61519653 |
2015-10 |
$24,000 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 25,179.41 recovered under collections against 24,000.00 funded.
- Recoveries above the amount funded: 25,179.41 recovered against 24,000.00 funded.
|
–
|
| 37741722 |
2015-01 |
$18,000 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 21,941.26 recovered under collections against 18,000.00 funded.
- Recoveries above the amount funded: 21,941.26 recovered against 18,000.00 funded.
|
–
|
| 57287013 |
2015-08 |
$18,000 |
$0 |
Charged off |
45 |
Strong: No paymentMedium: Bust-out
- No payment made: charged off with no payment received; 1,136.35 recovered under collections against 18,000.00 funded.
- Bust-out pattern at origination: revolving utilisation 92.6%, 2 bureau inquiries in six months and 6 accounts opened in 24 months.
|
–
|
| 7648944 |
2013-10 |
$15,000 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 17,658.71 recovered under collections against 15,000.00 funded.
- Recoveries above the amount funded: 17,658.71 recovered against 15,000.00 funded.
|
–
|
| 46764136 |
2015-05 |
$13,050 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 16,889.43 recovered under collections against 13,050.00 funded.
- Recoveries above the amount funded: 16,889.43 recovered against 13,050.00 funded.
|
–
|
| 4310325 |
2013-05 |
$12,875 |
$0 |
Charged off |
45 |
Strong: No paymentMedium: Bust-out
- No payment made: charged off with no payment received; 3,103.91 recovered under collections against 12,875.00 funded.
- Bust-out pattern at origination: revolving utilisation 92.6%, 3 bureau inquiries in six months and 6 accounts opened in 24 months.
|
–
|
| 39977574 |
2015-02 |
$12,000 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 12,679.50 recovered under collections against 12,000.00 funded.
- Recoveries above the amount funded: 12,679.50 recovered against 12,000.00 funded.
|
–
|
| 48181956 |
2015-05 |
$12,000 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 12,427.85 recovered under collections against 12,000.00 funded.
- Recoveries above the amount funded: 12,427.85 recovered against 12,000.00 funded.
|
–
|
| 60025467 |
2015-09 |
$11,300 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 12,054.73 recovered under collections against 11,300.00 funded.
- Recoveries above the amount funded: 12,054.73 recovered against 11,300.00 funded.
|
–
|
| 60246818 |
2015-09 |
$10,250 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 10,663.75 recovered under collections against 10,250.00 funded.
- Recoveries above the amount funded: 10,663.75 recovered against 10,250.00 funded.
|
–
|
| 462167 |
2009-11 |
$10,000 |
$0 |
Charged off |
45 |
Strong: Nothing recoveredMedium: Outside policy
- No payment, nothing recovered: charged off with no payment and nothing recovered against 10,000.00 funded; consistent with third-party fraud.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
|
–
|
| 60607000 |
2015-09 |
$10,000 |
$0 |
Charged off |
45 |
Strong: Shared identityMedium: Duplicate terms
- Shared identity details within 90 days: cluster f02854e6 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 0 days apart.
- Same amount, rate, term, date and postcode: matches loan 60035833.
|
–
|
| 36099806 |
2014-11 |
$9,600 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 9,901.20 recovered under collections against 9,600.00 funded.
- Recoveries above the amount funded: 9,901.20 recovered against 9,600.00 funded.
|
–
|
| 57015193 |
2015-08 |
$7,800 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 8,032.80 recovered under collections against 7,800.00 funded.
- Recoveries above the amount funded: 8,032.80 recovered against 7,800.00 funded.
|
–
|
| 66491455 |
2015-12 |
$7,725 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 8,180.00 recovered under collections against 7,725.00 funded.
- Recoveries above the amount funded: 8,180.00 recovered against 7,725.00 funded.
|
–
|
| 283480 |
2008-03 |
$6,000 |
$0 |
Charged off |
45 |
Strong, integrity: Recovered over fundedMedium: Stopped by month 3Medium: Outside policy
- Recoveries above the amount funded: 7,048.58 recovered against 6,000.00 funded.
- Stopped paying within three months: charged off; last payment 2008-04, 1 month after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
|
–
|
| 64967871 |
2015-11 |
$5,500 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 5,695.81 recovered under collections against 5,500.00 funded.
- Recoveries above the amount funded: 5,695.81 recovered against 5,500.00 funded.
|
–
|
| 466079 |
2009-12 |
$4,900 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 5,037.98 recovered under collections against 4,900.00 funded.
- Recoveries above the amount funded: 5,037.98 recovered against 4,900.00 funded.
|
–
|
| 67446038 |
2015-12 |
$4,000 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 4,199.66 recovered under collections against 4,000.00 funded.
- Recoveries above the amount funded: 4,199.66 recovered against 4,000.00 funded.
|
–
|
| 65611490 |
2015-11 |
$2,800 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 3,008.08 recovered under collections against 2,800.00 funded.
- Recoveries above the amount funded: 3,008.08 recovered against 2,800.00 funded.
|
–
|
| 345159 |
2008-04 |
$2,400 |
$0 |
Charged off |
45 |
Strong: Shared identityMedium: Outside policy
- Shared identity details within 90 days: cluster 2c3a16f6 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 31 days apart.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
|
–
|
| 1127375 |
2012-02 |
$2,100 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 2,472.00 recovered under collections against 2,100.00 funded.
- Recoveries above the amount funded: 2,472.00 recovered against 2,100.00 funded.
|
–
|
| 1587199 |
2012-10 |
$2,100 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 2,273.77 recovered under collections against 2,100.00 funded.
- Recoveries above the amount funded: 2,273.77 recovered against 2,100.00 funded.
|
–
|