| 8614949 |
2013-11 |
$2,000 |
$0 |
Charged off |
45 |
Strong: No paymentStrong, integrity: Recovered over funded
- No payment made: charged off with no payment received; 2,415.27 recovered under collections against 2,000.00 funded.
- Recoveries above the amount funded: 2,415.27 recovered against 2,000.00 funded.
|
–
|
| 1173437 |
2012-03 |
$20,000 |
$0 |
Charged off |
42 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 700.00 recovered under collections against 20,000.00 funded.
- Round unverified income, early default: stated income 165,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 5 bureau inquiries in the six months before origination.
|
–
|
| 60466161 |
2015-10 |
$20,000 |
$7,448 |
Current |
40 |
Strong, integrity: Instalment offMedium: Behind scheduleWeak: Off-grid rate+1 more reasons
- Instalment off the amortised payment: instalment 411.90 against 386.66 implied by amount, rate and term.
- Current but behind schedule: current with principal paid covering 36.8 of 40 instalments due (one more allowed in transit), 3.2 behind schedule; 7,448.27 outstanding.
- Rate off the month's grid: rate 6.00% where sub-grade D5 loans in 2015-10 were priced at 17.86%.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest 1 month before origination.
|
–
|
| 33351811 |
2014-11 |
$12,375 |
$2,308 |
Current |
40 |
Strong, integrity: Instalment offMedium: Behind scheduleWeak: Off-grid rate+1 more reasons
- Instalment off the amortised payment: instalment 295.09 against 239.24 implied by amount, rate and term.
- Current but behind schedule: current with principal paid covering 39.2 of 51 instalments due (one more allowed in transit), 11.8 behind schedule; 2,308.50 outstanding.
- Rate off the month's grid: rate 6.00% where sub-grade E3 loans in 2014-11 were priced at 19.99%.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest 1 month before origination.
|
–
|
| 388954 |
2009-04 |
$25,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2009-06, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 55,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 5 bureau inquiries in the six months before origination.
|
–
|
| 482203 |
2010-02 |
$24,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2010-04, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 350,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 7 bureau inquiries in the six months before origination.
|
–
|
| 68446144 |
2015-12 |
$21,000 |
$0 |
Charged off |
40 |
Strong: Shared identityWeak: Stopped by month 6Weak: Round income
- 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: charged off; last payment 2016-06, 6 months after origination (months four to six).
- Round unverified income, early default: stated income 90,000, a multiple of 5,000, not verified.
|
–
|
| 53564956 |
2015-07 |
$20,000 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 3,541.36 recovered under collections against 20,000.00 funded.
- Round unverified income, early default: stated income 50,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest 1 month before origination.
|
–
|
| 3297376 |
2013-02 |
$15,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Bust-outWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2013-04, 2 months after origination.
- Bust-out pattern at origination: revolving utilisation 93.6%, 3 bureau inquiries in six months and 6 accounts opened in 24 months.
- Round unverified income, early default: stated income 65,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 3 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 497381 |
2010-03 |
$15,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2010-05, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 40,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 8 bureau inquiries in the six months before origination.
|
–
|
| 68445816 |
2015-12 |
$15,000 |
$0 |
Paid |
40 |
Strong, integrity: Instalment offMedium: Bust-outWeak: Off-grid rate+1 more reasons
- Instalment off the amortised payment: instalment 371.20 against 456.33 implied by amount, rate and term.
- Bust-out pattern at origination: revolving utilisation 95.3%, 3 bureau inquiries in six months and 14 accounts opened in 24 months.
- Rate off the month's grid: rate 6.00% where sub-grade D1 loans in 2015-12 were priced at 15.41%.
- Recent bureau inquiries: 3 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 463039 |
2009-12 |
$14,400 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2010-01, 1 month after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 300,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 5 bureau inquiries in the six months before origination.
|
–
|
| 1220100 |
2012-04 |
$13,475 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Bust-outWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2012-07, 3 months after origination.
- Bust-out pattern at origination: revolving utilisation 90.6%, 2 bureau inquiries in six months and 6 accounts opened in 24 months.
- Round unverified income, early default: stated income 60,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest 1 month before origination.
|
–
|
| 612027 |
2010-11 |
$13,200 |
$0 |
Charged off |
40 |
Strong, integrity: Recovered over fundedMedium: Outside policyWeak: Stopped by month 6+1 more reasons
- Recoveries above the amount funded: 13,427.96 recovered against 13,200.00 funded.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Stopped paying within six months: charged off; last payment 2011-03, 4 months after origination (months four to six).
- Recent bureau inquiries: 7 bureau inquiries in the six months before origination.
|
–
|
| 8138224 |
2013-11 |
$12,000 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Off-grid rateWeak: Recent inquiries
- No payment made: charged off with no payment received; 1,667.52 recovered under collections against 12,000.00 funded.
- Rate off the month's grid: rate 9.99% where sub-grade B1 loans in 2013-11 were priced at 9.67%.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 272627 |
2008-03 |
$11,500 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2008-05, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 55,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 4 bureau inquiries in the six months before origination.
|
–
|
| 13887489 |
2014-04 |
$10,000 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 572.50 recovered under collections against 10,000.00 funded.
- Round unverified income, early default: stated income 60,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 4 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 21239978 |
2014-07 |
$10,000 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 1,412.88 recovered under collections against 10,000.00 funded.
- Round unverified income, early default: stated income 85,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest 1 month before origination.
|
–
|
| 3535442 |
2013-03 |
$10,000 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 575.00 recovered under collections against 10,000.00 funded.
- Round unverified income, early default: stated income 55,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 480401 |
2010-02 |
$10,000 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 450.00 recovered under collections against 10,000.00 funded.
- Round unverified income, early default: stated income 140,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 3 bureau inquiries in the six months before origination.
|
–
|
| 67255203 |
2015-12 |
$10,000 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 1,229.56 recovered under collections against 10,000.00 funded.
- Round unverified income, early default: stated income 65,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 4 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 287421 |
2008-03 |
$9,500 |
$0 |
Charged off |
40 |
Strong: Shared identityWeak: Stopped by month 6Weak: Round income
- Shared identity details within 90 days: cluster d87e9cb8 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 61 days apart.
- Stopped paying within six months: charged off; last payment 2008-09, 6 months after origination (months four to six).
- Round unverified income, early default: stated income 40,000, a multiple of 5,000, not verified.
|
–
|
| 6455483 |
2013-08 |
$9,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Bust-outWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2013-11, 3 months after origination.
- Bust-out pattern at origination: revolving utilisation 90.0%, 2 bureau inquiries in six months and 6 accounts opened in 24 months.
- Round unverified income, early default: stated income 60,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest 1 month before origination.
|
–
|
| 444553 |
2009-09 |
$7,750 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2009-11, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 45,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 5 bureau inquiries in the six months before origination.
|
–
|
| 202128 |
2008-01 |
$7,500 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2008-03, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 30,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 7 bureau inquiries in the six months before origination.
|
–
|
| 345808 |
2008-05 |
$7,500 |
$0 |
Charged off |
40 |
Strong: Shared identityWeak: Stopped by month 6Weak: Round income
- Shared identity details within 90 days: cluster d87e9cb8 shares postcode, job title, income and earliest credit line with 1 other loan; nearest originated 61 days apart.
- Stopped paying within six months: charged off; last payment 2008-09, 4 months after origination (months four to six).
- Round unverified income, early default: stated income 40,000, a multiple of 5,000, not verified.
|
–
|
| 352984 |
2008-08 |
$7,500 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2008-09, 1 month after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 150,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 7 bureau inquiries in the six months before origination.
|
–
|
| 357698 |
2008-10 |
$7,500 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2009-01, 3 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 100,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 5 bureau inquiries in the six months before origination.
|
–
|
| 409552 |
2009-06 |
$7,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2009-07, 1 month after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 50,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 3 bureau inquiries in the six months before origination.
|
–
|
| 440037 |
2009-09 |
$7,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2009-11, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 30,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 4 bureau inquiries in the six months before origination.
|
–
|
| 216618 |
2008-01 |
$6,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2008-04, 3 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 40,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 8 bureau inquiries in the six months before origination.
|
–
|
| 7045538 |
2013-09 |
$5,500 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 788.10 recovered under collections against 5,500.00 funded.
- Round unverified income, early default: stated income 20,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 323053 |
2008-04 |
$5,100 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2008-07, 3 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 15,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 11 bureau inquiries in the six months before origination.
|
–
|
| 1575194 |
2012-10 |
$5,000 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 287.50 recovered under collections against 5,000.00 funded.
- Round unverified income, early default: stated income 25,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 4 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 67448903 |
2015-12 |
$5,000 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 738.56 recovered under collections against 5,000.00 funded.
- Round unverified income, early default: stated income 60,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 3 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 339557 |
2008-04 |
$3,600 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2008-05, 1 month after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 35,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 4 bureau inquiries in the six months before origination.
|
–
|
| 333772 |
2008-04 |
$3,200 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2008-07, 3 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 55,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 12 bureau inquiries in the six months before origination.
|
–
|
| 499744 |
2010-04 |
$3,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2010-05, 1 month after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 100,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 4 bureau inquiries in the six months before origination.
|
–
|
| 6084659 |
2013-07 |
$3,000 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 184.18 recovered under collections against 3,000.00 funded.
- Round unverified income, early default: stated income 40,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 3 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 3300842 |
2013-02 |
$2,500 |
$0 |
Charged off |
40 |
Strong: No paymentWeak: Round incomeWeak: Recent inquiries
- No payment made: charged off with no payment received; 143.75 recovered under collections against 2,500.00 funded.
- Round unverified income, early default: stated income 50,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 3 bureau inquiries in six months, the latest 1 month before origination.
|
–
|
| 494099 |
2010-03 |
$2,400 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2010-05, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 40,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 4 bureau inquiries in the six months before origination.
|
–
|
| 5844610 |
2013-07 |
$2,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Bust-outWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2013-10, 3 months after origination.
- Bust-out pattern at origination: revolving utilisation 92.3%, 2 bureau inquiries in six months and 7 accounts opened in 24 months.
- Round unverified income, early default: stated income 60,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 632031 |
2010-12 |
$2,000 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2011-02, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 70,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 6 bureau inquiries in the six months before origination.
|
–
|
| 238149 |
2008-01 |
$1,800 |
$0 |
Charged off |
40 |
Medium: Stopped by month 3Medium: Outside policyWeak: Round income+1 more reasons
- Stopped paying within three months: charged off; last payment 2008-03, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Round unverified income, early default: stated income 35,000, a multiple of 5,000, not verified.
- Recent bureau inquiries: 6 bureau inquiries in the six months before origination.
|
–
|
| 54434826 |
2015-07 |
$32,000 |
$0 |
Charged off |
38 |
Medium: Stopped by month 3Medium: Bust-out
- Stopped paying within three months: charged off; last payment 2015-10, 3 months after origination.
- Bust-out pattern at origination: revolving utilisation 94.0%, 3 bureau inquiries in six months and 14 accounts opened in 24 months.
|
–
|
| 54648144 |
2015-07 |
$35,000 |
$0 |
Charged off |
37 |
Strong: Nothing recoveredWeak: Recent inquiries
- No payment, nothing recovered: charged off with no payment and nothing recovered against 35,000.00 funded; consistent with third-party fraud.
- Recent bureau inquiries: 3 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 50485631 |
2015-06 |
$17,000 |
$8,171 |
Current |
37 |
Medium: Behind scheduleMedium: Score fallenWeak: Recent inquiries
- Current but behind schedule: current with principal paid covering 40.0 of 44 instalments due (one more allowed in transit), 4.0 behind schedule; 8,171.14 outstanding.
- Credit score fallen since origination: current with credit score 610 against 710 at origination, 100 points lower; 8,171.14 outstanding.
- Recent bureau inquiries: 2 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 242607 |
2008-02 |
$20,825 |
$0 |
Charged off |
36 |
Medium: Stopped by month 3Medium: Outside policyWeak: Recent inquiries
- Stopped paying within three months: charged off; last payment 2008-04, 2 months after origination.
- Status label says outside credit policy: label “Does not meet the credit policy. Status:Charged Off”.
- Recent bureau inquiries: 4 bureau inquiries in the six months before origination.
|
–
|
| 66484022 |
2015-12 |
$35,000 |
$0 |
Charged off |
36 |
Strong: Nothing recoveredWeak: Recent inquiries
- No payment, nothing recovered: charged off with no payment and nothing recovered against 35,000.00 funded; consistent with third-party fraud.
- Recent bureau inquiries: 3 bureau inquiries in six months, the latest in the month of origination.
|
–
|
| 36029895 |
2014-11 |
$35,000 |
$6,254 |
Current |
36 |
Strong, integrity: Instalment offMedium: Behind scheduleWeak: Off-grid rate
- Instalment off the amortised payment: instalment 712.19 against 676.65 implied by amount, rate and term.
- Current but behind schedule: current with principal paid covering 47.5 of 51 instalments due (one more allowed in transit), 3.5 behind schedule; 6,254.08 outstanding.
- Rate off the month's grid: rate 6.00% where sub-grade C1 loans in 2014-11 were priced at 12.39%.
|
–
|