Loan 51165594
- Score
- 30
- Originated
- 2015-06
- Balance
- $12,000
- Status
- Current
Review score
| Reason | Strength | Category | Points | Review reason |
|---|---|---|---|---|
| Credit score fallen since origination | Medium | Fraud pattern | 15 | Credit score fallen since origination: current with credit score 540 against 690 at origination, 150 points lower; 4,042.85 outstanding. |
| Same amount, rate, term, date and postcode | Medium | Fraud pattern | 15 | Same amount, rate, term, date and postcode: matches loan 48764498. |
| 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
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 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 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 | 51165594 |
|---|---|
| Origination date | 2015-06-01 |
| Original balance | $12,000 |
| Funded balance | $12,000 |
| Interest rate | 17.57% |
| Term | 60 months |
| Instalment | $301.93 |
| Grade | D |
| Sub-grade | D4 |
| Purpose | Debt consolidation |
| Status | Current |
|---|---|
| Status label | Current |
| Current balance | $4,042.85 |
| Principal paid | $7,957.15 |
| Interest paid | $5,661.66 |
| Total paid | $13,618.81 |
| Recoveries | $0 |
| Fees paid | $0 |
| Last payment date | 2019-03-01 |
| Last payment amount | $301.93 |
| Modification flag | – |
| Latest credit score | 540 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | CT |
| Annual income | $40,000 |
| Income verified | Source verified |
| Employment length years | 7 |
| Home ownership | Rent |
| Credit score | 690 |
| DTI | 10.14% |
| Bureau inquiries, 6 months | 0 |
| Months since last inquiry | – |
| Accounts opened 24m | 1 |
| Open accounts | 6 |
| Earliest credit line | 1980-01-01 |
| Revolving utilisation | 90.30% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |