Loan 2383045
- Score
- 60
- Originated
- 2012-12
- Balance
- $8,875
- Status
- Charged off
Review score
| Reason | Strength | Category | Points | Review reason |
|---|---|---|---|---|
| No payment made | Strong | Fraud pattern | 30 | 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 | Strong | Fraud pattern | 30 | 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. |
| Score | 60 |
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 identity misuse.
From: Shared identity details within 90 days; No payment made.
Repayment history
No repayment history uploaded.
Against its segments
| Segment | Loans | Charge-off rate | Book, charge-off | Early default | Book, early default |
|---|---|---|---|---|---|
| Grade C loans | 245,740 | 18.7% | 17.2% | 2.0% | 2.0% |
| 36-month loans | 620,566 | 13.9% | 17.2% | 1.8% | 2.0% |
| Credit score 680–699 | 246,005 | 18.4% | 17.2% | 2.2% | 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 | 2383045 |
|---|---|
| Origination date | 2012-12-01 |
| Original balance | $8,875 |
| Funded balance | $8,875 |
| Interest rate | 15.31% |
| Term | 36 months |
| Instalment | $309.01 |
| Grade | C |
| Sub-grade | C2 |
| Purpose | Debt consolidation |
| Status | Charged off |
|---|---|
| Status label | Charged Off |
| Current balance | $0 |
| Principal paid | $0 |
| Interest paid | $0 |
| Total paid | $510.31 |
| Recoveries | $510.31 |
| Fees paid | $0 |
| Last payment date | – |
| Last payment amount | $0 |
| Modification flag | – |
| Latest credit score | 565 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | TX |
| Annual income | $60,000 |
| Income verified | Verified |
| Employment length years | 10 |
| Home ownership | Mortgage |
| Credit score | 680 |
| DTI | 14.73% |
| Bureau inquiries, 6 months | 1 |
| Months since last inquiry | 0 |
| Accounts opened 24m | 6 |
| Open accounts | 8 |
| Earliest credit line | 2001-04-01 |
| Revolving utilisation | 42.70% |
| Public records | 0 |
| Delinquencies, 2 years | 1 |