Loan 66464475
- Score
- 30
- Originated
- 2015-12
- Balance
- $20,000
- Status
- Current
Review score
| Reason | Strength | Category | Points | Review reason |
|---|---|---|---|---|
| Credit score fallen since origination | Medium | Fraud pattern | 15 | Credit score fallen since origination: current with credit score 570 against 685 at origination, 115 points lower; 9,156.11 outstanding. |
| Outside the file's limits | Medium | Fraud pattern | 15 | Outside the file's limits: debt-to-income 42.03 above the 39.99 limit the file shows for 2015. |
| 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
Creditworthiness has fallen since origination; current exposure at risk. Pull a fresh bureau report and check for new accounts and arrears elsewhere.
From: 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 D loans | 139,455 | 25.5% | 17.2% | 3.3% | 2.0% |
| 60-month loans | 266,271 | 25.0% | 17.2% | 2.5% | 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 | 66464475 |
|---|---|
| Origination date | 2015-12-01 |
| Original balance | $20,000 |
| Funded balance | $20,000 |
| Interest rate | 15.41% |
| Term | 60 months |
| Instalment | $480.12 |
| Grade | D |
| Sub-grade | D1 |
| Purpose | Credit card |
| Status | Current |
|---|---|
| Status label | Current |
| Current balance | $9,156.11 |
| Principal paid | $10,843.89 |
| Interest paid | $7,437.77 |
| Total paid | $18,281.66 |
| Recoveries | $0 |
| Fees paid | $0 |
| Last payment date | 2019-02-01 |
| Last payment amount | $480.12 |
| Modification flag | – |
| Latest credit score | 570 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | OK |
| Annual income | $78,000 |
| Income verified | Not verified |
| Employment length years | 10 |
| Home ownership | Mortgage |
| Credit score | 685 |
| DTI | 42.03% |
| Bureau inquiries, 6 months | 0 |
| Months since last inquiry | 10 |
| Accounts opened 24m | 6 |
| Open accounts | 14 |
| Earliest credit line | 2004-06-01 |
| Revolving utilisation | 78.60% |
| Public records | 0 |
| Delinquencies, 2 years | 1 |