Loan 54316016
- Score
- 30
- Originated
- 2015-07
- Balance
- $25,000
- 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 40.7 of 43 instalments due (one more allowed in transit), 2.3 behind schedule; 10,544.23 outstanding. |
| Credit score fallen since origination | Medium | Fraud pattern | 15 | Credit score fallen since origination: current with credit score 585 against 695 at origination, 110 points lower; 10,544.23 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 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 | 54316016 |
|---|---|
| Origination date | 2015-07-01 |
| Original balance | $25,000 |
| Funded balance | $25,000 |
| Interest rate | 17.86% |
| Term | 60 months |
| Instalment | $632.94 |
| Grade | D |
| Sub-grade | D5 |
| Purpose | Credit card |
| Status | Current |
|---|---|
| Status label | Current |
| Current balance | $10,544.23 |
| Principal paid | $14,455.77 |
| Interest paid | $12,084.82 |
| Total paid | $26,572.24 |
| Recoveries | $0 |
| Fees paid | $31.65 |
| Last payment date | 2019-03-01 |
| Last payment amount | $632.94 |
| Modification flag | – |
| Latest credit score | 585 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | SC |
| Annual income | $94,000 |
| Income verified | Verified |
| Employment length years | 10 |
| Home ownership | Mortgage |
| Credit score | 695 |
| DTI | 31.84% |
| Bureau inquiries, 6 months | 0 |
| Months since last inquiry | 14 |
| Accounts opened 24m | 7 |
| Open accounts | 9 |
| Earliest credit line | 2003-01-01 |
| Revolving utilisation | 67.70% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |