Loan 35226429
- Score
- 30
- Originated
- 2014-11
- Balance
- $18,000
- Status
- Current
Review score
| Reason | Strength | Category | Points | Review reason |
|---|---|---|---|---|
| Current but behind schedule | Medium | Fraud pattern | 15 | Current but behind schedule: current with principal paid covering 47.8 of 51 instalments due (one more allowed in transit), 3.2 behind schedule; 4,262.08 outstanding. |
| Credit score fallen since origination | Medium | Fraud pattern | 15 | Credit score fallen since origination: current with credit score 530 against 705 at origination, 175 points lower; 4,262.08 outstanding. |
| Score | 30 |
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
Current but paying less than the schedule requires: forbearance, a re-aged account or a status held back. Confirm the arrangement with collections.
From: Current but behind schedule; Credit score fallen since origination.
Repayment history
No repayment history uploaded.
Against its segments
| Segment | Loans | Charge-off rate | Book, charge-off | Early default | Book, early default |
|---|---|---|---|---|---|
| Grade A loans | 148,129 | 5.5% | 17.2% | 0.5% | 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 | 35226429 |
|---|---|
| Origination date | 2014-11-01 |
| Original balance | $18,000 |
| Funded balance | $18,000 |
| Interest rate | 8.19% |
| Term | 60 months |
| Instalment | $366.62 |
| Grade | A |
| Sub-grade | A5 |
| Purpose | Debt consolidation |
| Status | Current |
|---|---|
| Status label | Current |
| Current balance | $4,262.08 |
| Principal paid | $13,737.92 |
| Interest paid | $3,926.41 |
| Total paid | $17,700.99 |
| Recoveries | $0 |
| Fees paid | $36.66 |
| Last payment date | 2019-03-01 |
| Last payment amount | $366.62 |
| Modification flag | – |
| Latest credit score | 530 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | KY |
| Annual income | $91,000 |
| Income verified | Source verified |
| Employment length years | 10 |
| Home ownership | Mortgage |
| Credit score | 705 |
| DTI | 22.54% |
| Bureau inquiries, 6 months | 0 |
| Months since last inquiry | 13 |
| Accounts opened 24m | 5 |
| Open accounts | 13 |
| Earliest credit line | 1991-08-01 |
| Revolving utilisation | 47.00% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |