Loan 14127869
- Score
- 35
- Originated
- 2014-04
- Balance
- $32,400
- 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 0d470724 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 61 days apart. |
| Recent bureau inquiries | Weak | Fraud pattern | 5 | Recent bureau inquiries: 2 bureau inquiries in six months, the latest 1 month before origination. |
| Unusual combination of values | Anomaly | Fraud pattern | 0.1 | Unusual combination of application values, most of all 2 bureau inquiries and rate 24.5 (top 0.98% of the file). |
| Score | 35.1 |
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 F loans | 22,997 | 38.4% | 17.2% | 6.5% | 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 | 14127869 |
|---|---|
| Origination date | 2014-04-01 |
| Original balance | $32,400 |
| Funded balance | $32,400 |
| Interest rate | 24.50% |
| Term | 60 months |
| Instalment | $941.51 |
| Grade | F |
| Sub-grade | F3 |
| Purpose | Credit card |
| Status | Paid |
|---|---|
| Status label | Fully Paid |
| Current balance | $0 |
| Principal paid | $32,400 |
| Interest paid | $661.50 |
| Total paid | $33,061.50 |
| Recoveries | $0 |
| Fees paid | $0 |
| Last payment date | 2014-05-01 |
| Last payment amount | $33,061.50 |
| Modification flag | – |
| Latest credit score | 535 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | TX |
| Annual income | $147,000 |
| Income verified | Verified |
| Employment length years | 0.5 |
| Home ownership | Rent |
| Credit score | 665 |
| DTI | 27.78% |
| Bureau inquiries, 6 months | 2 |
| Months since last inquiry | 1 |
| Accounts opened 24m | 7 |
| Open accounts | 18 |
| Earliest credit line | 2005-09-01 |
| Revolving utilisation | 77.30% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |