Loan 15481257
- Score
- 35
- Originated
- 2014-05
- Balance
- $23,100
- Status
- Charged off
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: 4 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 D loans | 139,455 | 25.5% | 17.2% | 3.3% | 2.0% |
| 60-month loans | 266,271 | 25.0% | 17.2% | 2.5% | 2.0% |
| Credit score 700–719 | 164,410 | 14.6% | 17.2% | 1.6% | 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 | 15481257 |
|---|---|
| Origination date | 2014-05-01 |
| Original balance | $23,100 |
| Funded balance | $23,100 |
| Interest rate | 18.92% |
| Term | 60 months |
| Instalment | $598.22 |
| Grade | D |
| Sub-grade | D4 |
| Purpose | Debt consolidation |
| Status | Charged off |
|---|---|
| Status label | Charged Off |
| Current balance | $0 |
| Principal paid | $11,712.57 |
| Interest paid | $9,636.91 |
| Total paid | $23,975.89 |
| Recoveries | $2,596.50 |
| Fees paid | $29.91 |
| Last payment date | 2017-03-01 |
| Last payment amount | $598.22 |
| Modification flag | – |
| Latest credit score | 510 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | CA |
| Annual income | $180,000 |
| Income verified | Source verified |
| Employment length years | 9 |
| Home ownership | Mortgage |
| Credit score | 705 |
| DTI | 7.76% |
| Bureau inquiries, 6 months | 4 |
| Months since last inquiry | 0 |
| Accounts opened 24m | 8 |
| Open accounts | 13 |
| Earliest credit line | 2003-11-01 |
| Revolving utilisation | 25.20% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |