Loan 68446144
- Score
- 40
- Originated
- 2015-12
- Balance
- $21,000
- 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 fd70dd4f shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 0 days apart. |
| Stopped paying within six months | Weak | Fraud pattern | 5 | Stopped paying within six months: charged off; last payment 2016-06, 6 months after origination (months four to six). |
| Round unverified income, early default | Weak | Fraud pattern | 5 | Round unverified income, early default: stated income 90,000, a multiple of 5,000, not verified. |
| Score | 40 |
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 identity misuse.
From: Shared identity details within 90 days; Stopped paying within six months.
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 700–719 | 164,410 | 14.6% | 17.2% | 1.6% | 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 | 68446144 |
|---|---|
| Origination date | 2015-12-01 |
| Original balance | $21,000 |
| Funded balance | $21,000 |
| Interest rate | 16.59% |
| Term | 60 months |
| Instalment | $517.29 |
| Grade | D |
| Sub-grade | D2 |
| Purpose | Debt consolidation |
| Status | Charged off |
|---|---|
| Status label | Charged Off |
| Current balance | $0 |
| Principal paid | $457.07 |
| Interest paid | $616.12 |
| Total paid | $4,069.46 |
| Recoveries | $2,996.27 |
| Fees paid | $0 |
| Last payment date | 2016-06-01 |
| Last payment amount | $47 |
| Modification flag | – |
| Latest credit score | 590 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | CA |
| Annual income | $90,000 |
| Income verified | Not verified |
| Employment length years | 10 |
| Home ownership | Rent |
| Credit score | 710 |
| DTI | 12.09% |
| Bureau inquiries, 6 months | 1 |
| Months since last inquiry | 5 |
| Accounts opened 24m | 3 |
| Open accounts | 9 |
| Earliest credit line | 1998-02-01 |
| Revolving utilisation | 16.20% |
| Public records | 0 |
| Delinquencies, 2 years | 1 |