Loan 49673562
- Score
- 45
- Originated
- 2015-05
- Balance
- $25,000
- Status
- Late
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 007f5d9c shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 61 days apart. |
| Credit score fallen since origination | Medium | Fraud pattern | 15 | Credit score fallen since origination: late with credit score 590 against 705 at origination, 115 points lower; 7,818.54 outstanding. |
| Score | 45 |
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
Creditworthiness has fallen since origination; current exposure at risk. Pull a fresh bureau report and check for new accounts and arrears elsewhere.
From: 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 B loans | 254,455 | 11.4% | 17.2% | 1.1% | 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 | 49673562 |
|---|---|
| Origination date | 2015-05-01 |
| Original balance | $25,000 |
| Funded balance | $25,000 |
| Interest rate | 9.17% |
| Term | 60 months |
| Instalment | $521.03 |
| Grade | B |
| Sub-grade | B2 |
| Purpose | Debt consolidation |
| Status | Late |
|---|---|
| Status label | Late (31-120 days) |
| Current balance | $7,818.54 |
| Principal paid | $17,181.46 |
| Interest paid | $5,731.12 |
| Total paid | $22,912.58 |
| Recoveries | $0 |
| Fees paid | $0 |
| Last payment date | 2019-01-01 |
| Last payment amount | $521.03 |
| Modification flag | – |
| Latest credit score | 590 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | WA |
| Annual income | $75,000 |
| Income verified | Source verified |
| Employment length years | 10 |
| Home ownership | Mortgage |
| Credit score | 705 |
| DTI | 18.29% |
| Bureau inquiries, 6 months | 0 |
| Months since last inquiry | 7 |
| Accounts opened 24m | 6 |
| Open accounts | 10 |
| Earliest credit line | 1993-07-01 |
| Revolving utilisation | 75.40% |
| Public records | 0 |
| Delinquencies, 2 years | 1 |