Loan 64097762
- Score
- 30
- Originated
- 2015-11
- Balance
- $30,000
- Status
- Charged off
Review score
| Reason | Strength | Category | Points | Review reason |
|---|---|---|---|---|
| No payment made | Strong | Fraud pattern | 30 | No payment made: charged off with no payment received; 1,831.47 recovered under collections against 30,000.00 funded. |
| Unusual combination of values | Anomaly | Fraud pattern | 0.1 | Unusual combination of application values, most of all credit score 800 and income 175,000 (top 0.95% of the file). |
| Score | 30.1 |
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
No payment from the borrower, though not a clean loss: money came back under collections, or the loan is still late. First-party fraud (a borrower who never meant to pay) or a servicing event, such as a payment never set up, before third-party fraud. Confirm with collections which.
From: No payment made.
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% |
| 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 | 64097762 |
|---|---|
| Origination date | 2015-11-01 |
| Original balance | $30,000 |
| Funded balance | $30,000 |
| Interest rate | 17.86% |
| Term | 36 months |
| Instalment | $1,082.47 |
| Grade | D |
| Sub-grade | D5 |
| Purpose | Home improvement |
| Status | Charged off |
|---|---|
| Status label | Charged Off |
| Current balance | $0 |
| Principal paid | $0 |
| Interest paid | $0 |
| Total paid | $1,831.47 |
| Recoveries | $1,831.47 |
| Fees paid | $0 |
| Last payment date | – |
| Last payment amount | $0 |
| Modification flag | – |
| Latest credit score | 575 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | CA |
| Annual income | $175,000 |
| Income verified | Verified |
| Employment length years | 10 |
| Home ownership | Mortgage |
| Credit score | 800 |
| DTI | 8.76% |
| Bureau inquiries, 6 months | 0 |
| Months since last inquiry | 1 |
| Accounts opened 24m | 9 |
| Open accounts | 8 |
| Earliest credit line | 1996-06-01 |
| Revolving utilisation | 5.00% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |