Loan 752865
- Score
- 30
- Originated
- 2011-05
- Balance
- $35,000
- 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 288762b1 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 31 days apart. |
| 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
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 C loans | 245,740 | 18.7% | 17.2% | 2.0% | 2.0% |
| 60-month loans | 266,271 | 25.0% | 17.2% | 2.5% | 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 | 752865 |
|---|---|
| Origination date | 2011-05-01 |
| Original balance | $35,000 |
| Funded balance | $21,275 |
| Interest rate | 12.99% |
| Term | 60 months |
| Instalment | $483.97 |
| Grade | C |
| Sub-grade | C1 |
| Purpose | Small business |
| Status | Charged off |
|---|---|
| Status label | Charged Off |
| Current balance | $0 |
| Principal paid | $6,239.64 |
| Interest paid | $4,405.84 |
| Total paid | $11,510.71 |
| Recoveries | $865.23 |
| Fees paid | $0 |
| Last payment date | 2013-04-01 |
| Last payment amount | $33.94 |
| Modification flag | – |
| Latest credit score | 655 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | MT |
| Annual income | $80,000 |
| Income verified | Verified |
| Employment length years | 8 |
| Home ownership | Mortgage |
| Credit score | 770 |
| DTI | 6.48% |
| Bureau inquiries, 6 months | 1 |
| Months since last inquiry | – |
| Accounts opened 24m | – |
| Open accounts | 9 |
| Earliest credit line | 1995-06-01 |
| Revolving utilisation | 42.10% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |