Loan 55492354
- Score
- 30
- Originated
- 2015-07
- Balance
- $16,000
- 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 39.0 of 43 instalments due (one more allowed in transit), 4.0 behind schedule; 6,269.28 outstanding. |
| Credit score fallen since origination | Medium | Fraud pattern | 15 | Credit score fallen since origination: current with credit score 585 against 705 at origination, 120 points lower; 6,269.28 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 | 55492354 |
|---|---|
| Origination date | 2015-07-01 |
| Original balance | $16,000 |
| Funded balance | $16,000 |
| Interest rate | 7.26% |
| Term | 60 months |
| Instalment | $318.79 |
| Grade | A |
| Sub-grade | A4 |
| Purpose | Credit card |
| Status | Current |
|---|---|
| Status label | In Grace Period |
| Current balance | $6,269.28 |
| Principal paid | $9,730.72 |
| Interest paid | $2,809.43 |
| Total paid | $12,540.15 |
| Recoveries | $0 |
| Fees paid | $0 |
| Last payment date | 2019-02-01 |
| Last payment amount | $37.93 |
| Modification flag | – |
| Latest credit score | 585 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | MD |
| Annual income | $105,000 |
| Income verified | Not verified |
| Employment length years | 3 |
| Home ownership | Rent |
| Credit score | 705 |
| DTI | 21.11% |
| Bureau inquiries, 6 months | 0 |
| Months since last inquiry | 9 |
| Accounts opened 24m | 3 |
| Open accounts | 20 |
| Earliest credit line | 2005-04-01 |
| Revolving utilisation | 61.30% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |