Loan 623299
- Score
- 35
- Originated
- 2010-12
- Balance
- $12,000
- 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 d1601a5e shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 31 days apart. |
| Recent bureau inquiries | Weak | Fraud pattern | 5 | Recent bureau inquiries: 4 bureau inquiries in the six months before origination. |
| Score | 35 |
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.
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 720–749 | 109,036 | 11.3% | 17.2% | 1.3% | 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 | 623299 |
|---|---|
| Origination date | 2010-12-01 |
| Original balance | $12,000 |
| Funded balance | $8,550 |
| Interest rate | 9.99% |
| Term | 60 months |
| Instalment | $181.63 |
| Grade | B |
| Sub-grade | B4 |
| Purpose | Other |
| Status | Charged off |
|---|---|
| Status label | Charged Off |
| Current balance | $0 |
| Principal paid | $3,879.14 |
| Interest paid | $1,741.81 |
| Total paid | $5,907.66 |
| Recoveries | $286.71 |
| Fees paid | $0 |
| Last payment date | 2013-07-01 |
| Last payment amount | $181.63 |
| Modification flag | – |
| Latest credit score | 630 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | CA |
| Annual income | $70,000 |
| Income verified | Source verified |
| Employment length years | 0.5 |
| Home ownership | Rent |
| Credit score | 735 |
| DTI | 11.81% |
| Bureau inquiries, 6 months | 4 |
| Months since last inquiry | – |
| Accounts opened 24m | – |
| Open accounts | 10 |
| Earliest credit line | 2004-11-01 |
| Revolving utilisation | 25.60% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |