Loan 782572
- Score
- 35
- Originated
- 2011-06
- Balance
- $15,975
- 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 aef4f04a shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 0 days apart. |
| Rate off the month's grid | Weak | Fraud pattern | 5 | Rate off the month's grid: rate 20.99% where sub-grade E5 loans in 2011-06 were priced at 19.69%. |
| 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 E loans | 70,607 | 32.4% | 17.2% | 4.3% | 2.0% |
| 60-month loans | 266,271 | 25.0% | 17.2% | 2.5% | 2.0% |
| Credit score 660–679 | 306,261 | 21.8% | 17.2% | 2.6% | 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 | 782572 |
|---|---|
| Origination date | 2011-06-01 |
| Original balance | $15,975 |
| Funded balance | $15,975 |
| Interest rate | 20.99% |
| Term | 60 months |
| Instalment | $432.09 |
| Grade | E |
| Sub-grade | E5 |
| Purpose | Other |
| Status | Charged off |
|---|---|
| Status label | Charged Off |
| Current balance | $0 |
| Principal paid | $12,017.02 |
| Interest paid | $9,533.08 |
| Total paid | $22,236.31 |
| Recoveries | $686.21 |
| Fees paid | $0 |
| Last payment date | 2015-08-01 |
| Last payment amount | $432.09 |
| Modification flag | – |
| Latest credit score | 500 |
| Employer | hashed |
|---|---|
| Postcode | hashed |
| Region | TX |
| Annual income | $225,000 |
| Income verified | Verified |
| Employment length years | 8 |
| Home ownership | Mortgage |
| Credit score | 670 |
| DTI | 5.71% |
| Bureau inquiries, 6 months | 1 |
| Months since last inquiry | – |
| Accounts opened 24m | – |
| Open accounts | 10 |
| Earliest credit line | 1999-09-01 |
| Revolving utilisation | 80.50% |
| Public records | 0 |
| Delinquencies, 2 years | 0 |