Loan 12385633
- Score
- 35
- Originated
- 2014-02
- Balance
- $30,000
- Status
- Paid
Review score
| Reason | Strength | Category | Points | Review reason |
|---|---|---|---|---|
| Shared identity details within 90 days | Strong | Fraud pattern | 30 | Shared identity details within 90 days: cluster 3bcae765 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 89 days apart. |
| Recent bureau inquiries | Weak | Fraud pattern | 5 | Recent bureau inquiries: 3 bureau inquiries in six months, the latest in the month of origination. |
| Score | 35 |
Points per distinct reason: strong 30, medium 15, weak 5, half that for an integrity reason; up to 15 more for an unusual combination of application values. The score ranks loans for review. It is not a probability. Method
Likely explanation
Repeat applicant or a duplicated application.
From: Shared identity details within 90 days.
Repayment history
No repayment history uploaded.
Against its segments
| Segment | Loans | Charge-off rate | Book, charge-off | Early default | Book, early default |
|---|---|---|---|---|---|
| Grade G loans | 5,454 | 42.7% | 17.2% | 7.8% | 2.0% |
| 60-month loans | 266,271 | 25.0% | 17.2% | 2.5% | 2.0% |
| Credit score 660–679 | 306,261 | 21.8% | 17.2% | 2.6% | 2.0% |
Rates by count. Early default: charged off or late, with no payment received or a last payment within six months of origination.
Loan fields
| Loan ID | 12385633 |
|---|---|
| Origination date | 2014-02-01 |
| Original balance | $30,000 |
| Funded balance | $30,000 |
| Interest rate | 25.99% |
| Term | 60 months |
| Instalment | $898.04 |
| Grade | G |
| Sub-grade | G4 |
| Purpose | Debt consolidation |
| Status | Paid |
|---|---|
| Status label | Fully Paid |
| Current balance | $0 |
| Principal paid | $30,000 |
| Interest paid | $649.75 |
| Total paid | $30,649.75 |
| Recoveries | $0 |
| Fees paid | $0 |
| Last payment date | 2014-04-01 |
| Last payment amount | $30,649.75 |
| Modification flag | – |
| Latest credit score | 510 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | CA |
| Annual income | $180,000 |
| Income verified | Source verified |
| Employment length years | 8 |
| Home ownership | Rent |
| Credit score | 665 |
| DTI | 14.07% |
| Bureau inquiries, 6 months | 3 |
| Months since last inquiry | 0 |
| Accounts opened 24m | 9 |
| Open accounts | 13 |
| Earliest credit line | 2003-11-01 |
| Revolving utilisation | 63.70% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |