Loan 66415405
- Score
- 35
- Originated
- 2015-12
- Balance
- $5,000
- 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 5ce18baf shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 61 days apart. |
| Recent bureau inquiries | Weak | Fraud pattern | 5 | Recent bureau inquiries: 3 bureau inquiries in six months, the latest in the month of 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% |
| 36-month loans | 620,566 | 13.9% | 17.2% | 1.8% | 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 | 66415405 |
|---|---|
| Origination date | 2015-12-01 |
| Original balance | $5,000 |
| Funded balance | $5,000 |
| Interest rate | 11.48% |
| Term | 36 months |
| Instalment | $164.84 |
| Grade | B |
| Sub-grade | B5 |
| Purpose | Other |
| Status | Charged off |
|---|---|
| Status label | Charged Off |
| Current balance | $0 |
| Principal paid | $2,148.41 |
| Interest paid | $650.68 |
| Total paid | $3,186.69 |
| Recoveries | $387.60 |
| Fees paid | $0 |
| Last payment date | 2017-06-01 |
| Last payment amount | $164.84 |
| Modification flag | – |
| Latest credit score | 515 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | CA |
| Annual income | $55,000 |
| Income verified | Source verified |
| Employment length years | 7 |
| Home ownership | Rent |
| Credit score | 690 |
| DTI | 22.78% |
| Bureau inquiries, 6 months | 3 |
| Months since last inquiry | 0 |
| Accounts opened 24m | 7 |
| Open accounts | 17 |
| Earliest credit line | 2011-06-01 |
| Revolving utilisation | 9.20% |
| Public records | 1 |
| Delinquencies, 2 years | 0 |