Loan 60607000
- Score
- 45
- Originated
- 2015-09
- Balance
- $10,000
- Status
- Charged off
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 f02854e6 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 0 days apart. |
| Same amount, rate, term, date and postcode | Medium | Fraud pattern | 15 | Same amount, rate, term, date and postcode: matches loan 60035833. |
| 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
Repeat applicant or a duplicated application.
From: Shared identity details within 90 days; Same amount, rate, term, date and postcode.
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% |
| 36-month loans | 620,566 | 13.9% | 17.2% | 1.8% | 2.0% |
| Credit score 750+ | 60,798 | 7.3% | 17.2% | 1.1% | 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 | 60607000 |
|---|---|
| Origination date | 2015-09-01 |
| Original balance | $10,000 |
| Funded balance | $10,000 |
| Interest rate | 9.17% |
| Term | 36 months |
| Instalment | $318.79 |
| Grade | B |
| Sub-grade | B2 |
| Purpose | Debt consolidation |
| Status | Charged off |
|---|---|
| Status label | Charged Off |
| Current balance | $0 |
| Principal paid | $2,248 |
| Interest paid | $610.92 |
| Total paid | $8,988.99 |
| Recoveries | $6,114.13 |
| Fees paid | $15.94 |
| Last payment date | 2016-07-01 |
| Last payment amount | $318.79 |
| Modification flag | – |
| Latest credit score | 560 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | TX |
| Annual income | $50,000 |
| Income verified | Not verified |
| Employment length years | 1 |
| Home ownership | Rent |
| Credit score | 765 |
| DTI | 5.57% |
| Bureau inquiries, 6 months | 0 |
| Months since last inquiry | – |
| Accounts opened 24m | 1 |
| Open accounts | 5 |
| Earliest credit line | 2006-08-01 |
| Revolving utilisation | 16.90% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |