Term |
Description |
Derog / Derogatory |
Account has had chargeoffs, collections, bankruptcy, or repossession. |
Minor Delinquency |
Less than or equal to 60 days delinquent. |
Major Delinquency |
Greater than 60 days delinquent. |
Debt Ratio |
Debt / Available credit. |
Debt to Income Ratio |
Debt / Income. |
“APPLICANT STATED” |
Parameter is pulling information stated or in any other way provided by the applicant on the application on the Application Entry form in the system. |
“APPLICANT CREDIT BUREAU” |
Parameter is pulling information from the credit bureau, as opposed to another source, such as the Application Entry form. |
LOAN Finance |
Refers to companies that provide the loan but are not selling the actual object financed, if any. Example: An independent auto finance company. |
Sales Finance |
Refers to companies that provide the object being financed in addition to the financing. Example: Marshall Fields card. |
This is the sum of all automobile type loan balances and the sum of all automobile type credit limits. For installment loan, the credit limit is normally equal to the original loan amount. This applies to open tradelines only.
This is the sum of all bank type loan balances and the sum of all bank type credit limits. For installment , the credit limit is normally equal to the original loan amount. This applies to open tradelines only.
This is the sum of all travel card type loan balances and the sum of all travel card type credit limits. This applies to open tradelines only.
This parameter provides a value for all debt divided by all available credit as shown on the bureau.
This is the FICO score provided for the applicant in the bureau pull. There are usually several different types of FICO scores available at the bureau. The different score models are set up to give certain attributes different, weighting based on if the person is buying a car, or a house, and so on. The type of FICO score pulled is based on credit bureau setup.
This is the sum of all installment loan balances and the sum of all installment loan credit limits. For installment loan, the credit limit is normally equal to the original loan amount. This applies to open tradelines only.
This is the sum of all loan finance type lease balances and the sum of all loan finance type credit limits. For installmentloan lease, the credit limit is normally equal to the original loan amount. This applies to open tradelines only.
This is the sum of all mortgage type loan balances and the sum of all mortgage type credit limits. For installment loan, the credit limit is normally equal to the original loan amount. This applies to open tradelines only.
This parameter indicates if there are any open public records in the credit bureau associated with the applicant. This is a numeric counter covering the full period of time available in the bureau.
This parameter indicates, if there are any public records, open or closed, in the credit bureau associated with the applicant. This is a numeric counter covering the full period of time available in the bureau.
This is the sum of all retail type loan balances divided by the sum of all retail type credit limits. For installment loan, the credit limit is normally equal to the original loan amount. This applies to open tradelines only. This is expressed as a percent: 50% shows as 50.
This is the sum of all revolving type loan balances and the sum of all revolving type credit limits. This applies to open tradelines only. This is expressed as a percent: 50% shows as 50.
This is the sum of all sales finance type loan balances and the sum of all sales finance type credit limits. For installment loan, the credit limit is normally equal to the original loan amount. This applies to open tradelines only. This is expressed as a percent: 50% shows as 50.
This is the debt divided by available credit based on the values stated by the applicant after factoring in the requested loan amount- this information is not taken from the bureau. This is expressed as a percent: 50% shows as 50.
This is the debt divided by available credit based on the values stated by the applicant before factoring in the requested loan amount- this information is not taken from the bureau. This is expressed as a percent: 50% shows as 50.
This is the debt divided by income based on the values stated by the applicant after factoring in the requested loan amount- this information is not taken from the bureau. This is expressed as a percent: 50% shows as 50.
This is the debt divided by income based on the values stated by the applicant before factoring in the requested loan amount- this information is not taken from the bureau. This is expressed as a percent: 50% shows as 50.
This is the total amount of all monthly payments divided by monthly income. These values are stated by the applicant and not taken from the bureau. This is expressed as a percent: 50% shows as 50.
This parameter indicates whether the applicant is a prior customer. It is populated when the application is passed to Underwriting for a decision. If the SSN given by the applicant already exists then the applicant is marked as a prior customer and the parameter value is Y (Yes).
This is the sum of all revolving type loan amount balances / sum of all revolving type credit limits. This applies to open tradelines only. This is expressed as a percent: 50% shows as 50.
This parameter looks at the number of months of stated employment for the most recently entered current employment.
For example, the applicant states that she has been working at her current place of employment for 3 years and 5 months. This parameter would be populated with (3years * 12 months/year) + 5 months which calculates to 41 stated months. If the applicant enters another current employment and enters 1 year and 2 months then this parameter will be populated with 14 months, even though the other employment is still current.
This is the monthly income stated by the applicant on the application. It combines the income for all employment marked as “current” in the system. If the income is stated as anything other than monthly, the income will be converted to monthly for this parameter.
For example, the applicant states that he is paid $50,000 with a frequency of ANNUALLY. This parameter is populated with $50,000/12, which calculates to $4166.67 stated monthly income.
This is the stated monthly liability as provided by the applicant on the Application Entry screen.
This parameter looks at the stated residence period for the most recent current address.
This is the Approximate Cash price taken from the “Approx Price” field on the Application Entry form’s Loan screen in the system.
This is the Requested Advance Amount value taken from the Application Entry form’s Loan screen in the system.
This is the number of auto trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of auto trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of auto trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of automobile-related credit inquiries the have been made to the bureau.
This is the number of auto trades, both open and closed. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
Total number of auto trades that are paid on time right now. These trades may or may not have been delinquent in the past.
This is the number of open auto trades on the account. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
Total number of auto trades paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.
The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:
1 = current
2 = 30-59 days late
3 = 60-89 days late
4 = 90-119 days late
5 = 120-149 days late
6 = 150- days late
7 = involved in a bankruptcy
8 = repossession, foreclosure
9 = charge-off
This is the number of bank trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of bank trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of bank trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of bank inquiries against the bureau in the applicant's recorded bureau history.
This is the number of open bank trades on the account. Note that bank trades can be considered a sub type to installment, mortgage, and / or revolving loan.
Total number of bank trades that are paid on time right now. These trades may or may not have been delinquent in the past.
This is the number of bank trades that are open right now. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This parameter shows the “current” revolving bank balance. If the revolving credit is owned by a bank, then it will show up here.
This parameter shows the highest cumulative balance among all revolving bank credit over the bureau history.
Note
If the applicant had $5,000 on one account 2 years ago and $10,000 on another account 4 years ago, this parameter would return $15,000. The parameter is of questionable utility in many situations.
Total number of bank trades paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.
The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:
1 = current
2 = 30-59 days late
3 = 60-89 days late
4 = 90-119 days late
5 = 120-149 days late
6 = 150- days late
7 = involved in a bankruptcy
8 = repossession, foreclosure
9 = charge-off
This is the number of card trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of card trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of card trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of card inquiries that have been made against the bureau for the applicant in the bureau's recorded history.
This is the number of card trades, both open and closed, in the bureau history. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
Total number of card trades that are paid on time right now. These trades may or may not have been delinquent in the past.
This is the number of open card trades on the account. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
Total number of card trades paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.
The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:
1 = current
2 = 30-59 days late
3 = 60-89 days late
4 = 90-119 days late
5 = 120-149 days late
6 = 150- days late
7 = involved in a bankruptcy
8 = repossession, foreclosure
9 = charge-off
This is the number of installment trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of installment trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of installment trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
Total number of installment trades that are paid on time right now. These trades may or may not have been delinquent in the past.
This is the number of installment trades, both open and closed. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
This is the number of open installment trades on the account. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
Total number of installment trades paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.
The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:
1 = current
2 = 30-59 days late
3 = 60-89 days late
4 = 90-119 days late
5 = 120-149 days late
6 = 150- days late
7 = involved in a bankruptcy
8 = repossession, foreclosure
9 = charge-off
This is the number of loan finance trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of loan finance trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of loan finance trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
Total number of loan finance trades that are paid on time right now. These trades may or may not have been delinquent in the past.
This is the number of loan finance trades, both open and closed. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
This is the number of finance inquires listed on the credit report. The bureaus have their own limits as to how long they keep an inquiry on the credit report, but this parameter will show whatever total is shown for that bureau.
This is the number of open loan finance trades on the account. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
Total number of loan finance trades paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.
The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:
1 = current
2 = 30-59 days late
3 = 60-89 days late
4 = 90-119 days late
5 = 120-149 days late
6 = 150- days late
7 = involved in a bankruptcy
8 = repossession, foreclosure
9 = charge-off
This is the number of mortgage trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of mortgage trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of mortgage trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
Total number of mortgage trades that are paid on time right now. These trades may or may not have been delinquent in the past.
This is the total number of mortgage trades, both open and closed. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
This is the number of open mortgage trades on the account. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
Total number of mortgage trades paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.
The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:
1 = current
2 = 30-59 days late
3 = 60-89 days late
4 = 90-119 days late
5 = 120-149 days late
6 = 150- days late
7 = involved in a bankruptcy
8 = repossession, foreclosure
9 = charge-off
This is the number of retail trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of retail trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of retail trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
Total number of retail trades that are paid on time right now. These trades may or may not have been delinquent in the past.
This is the number of open retail trades on the account. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
This is the number of retail inquires listed on the credit report. The bureaus have their own limits as to how long they keep an inquiry on the credit report, but this parameter will show whatever total is shown for that bureau.
This is the number of retail trades, both open and closed. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
Total number of retail trades paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.
The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:
1 = current
2 = 30-59 days late
3 = 60-89 days late
4 = 90-119 days late
5 = 120-149 days late
6 = 150- days late
7 = involved in a bankruptcy
8 = repossession, foreclosure
9 = charge-off
This is the number of revolving trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of revolving trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of revolving trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
Total number of revolving trades that are paid on time right now. These trades may or may not have been delinquent in the past.
This is the number of open revolving trades on the account. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
This is the total revolving credit balance shown on the applicant's credit bureau. This applies to all open revolving trades.
This parameter shows the highest cumulative balance among all revolving credit over the bureau history.
Note
If the applicant had $5,000 on one account 2 years ago and $10,000 on another account 4 years ago, this parameter would return $15,000. The parameter is of questionable utility in many situations.
This is the current revolving retail trade balance shown on the applicant's credit bureau. This applies to all open retail trades. It shows current, not historical, information.
This parameter shows the highest cumulative balance among all revolving retail credit over the bureau history.
Note
If the applicant had $5,000 on one account 2 years ago and $10,000 on another account 4 years ago, this parameter would return $15,000. The parameter is of questionable utility in many situations.
This is the number of revolving trades, both open and closed. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
Total number of revolving trades paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.
The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:
1 = current
2 = 30-59 days late
3 = 60-89 days late
4 = 90-119 days late
5 = 120-149 days late
6 = 150- days late
7 = involved in a bankruptcy
8 = repossession, foreclosure
9 = charge-off
This is the number of sales finance trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of sales finance trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of sales finance trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
Total number of sales finance trades that are paid on time right now. These trades may or may not have been delinquent in the past.
This is the number of open sales finance trades on the account. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
This is the number of sales finance trades, both open and closed. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
This is a count of the number of sales finance inquiries that have been made against the Applicant's bureau information in the bureau history.
Total number of sales finance trades paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.
The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:
1 = current
2 = 30-59 days late
3 = 60-89 days late
4 = 90-119 days late
5 = 120-149 days late
6 = 150- days late
7 = involved in a bankruptcy
8 = repossession, foreclosure
9 = charge-off
This is the number of all trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of all trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the number of all trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.
This is the average trade age in months as calculated using all open trades in the bureau. This is based on taking all of the open tradelines, then dividing by the age.
This is the average trade age in months as calculated using all trades, open and closed, in the bureau.
This parameter is a count of the total number of charged off trades for that applicant in the bureau.
This is the total number of trades in collections for that applicant in the credit bureau. This refers to accounts assigned to collections agencies.
This is the total number of trades that are paid on time right now. These trades may or may not have been delinquent in the past.
This is the number of inquires listed on the credit report. The bureaus have their own limits as to how long they keep an inquiry on the credit report, but this parameter will show whatever total is shown for that bureau.
This is the total number of inquiries that have been made against the credit bureau for that applicant in the last 12 months
This is the total number of inquiries that have been made against the credit bureau for that applicant in the last 24 months
This is the total number of inquiries that have been made against the credit bureau for that applicant in the last 6 months
This is a count of the number of judgments against the applicant in the credit bureau.
This is the total number of liens shown for the applicant in the credit bureau for that applicant.
This is the number of months since the most recent inquiry in the credit bureau for that applicant. This of course excludes the pull from the immediate past used to do the scoring in this particular situation in the system.
This is the number of months between now and the newest trade in the bureau for that applicant.
This is the number of months between now and the oldest inquiry in the bureau for that applicant.
This is the number of months between now and the oldest trade in the bureau for that applicant. Oldest is determined by looking at the oldest date on any tradeline, and then showing that.
This is the number of open trades in collections shown in the bureau for that applicant. This refers to any accounts assigned to in-house collections departments (as compared to 5.12.7).
This is the number of open collections in the bureau for that applicant.
This is the total number of open (unsatisfied) judgments against the applicant as indicated in the bureau for that applicant.
This is the total number of open liens against the applicant as indicated in the bureau for that applicant.
This is the number of all open auto trades on the account. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.
This is the number of trades that have been 30 or more days past due at some point in the recorded history of the bureau. Note that these trades may be delinquent, derogatory, and so on. The parameter makes no distinction.
This is the number of trades that have been more than 30 days past due in the last 12 months. The past dues could be for the same or different trades. If one trade has been late 3 times, this parameter would show 1 if there are no other trades.
This is the number of times the applicant has been more than 30 days past due in the last 24 months. The past dues could be for the same or different trades. If one trade has been late 3 times, this parameter would show 1 if there are no other trades.
This is the number of times the applicant has been more than 60 days past due in the recorded history of the bureau. The past dues could be for the same or different trades. If one trade has been late 3 times, this parameter would show 1 if there are no other trades.
This is the number of times the applicant has been more than 60 days past due in the last 12 months. The past dues could be for the same or different trades. If one trade has been late 3 times, this parameter would show 1 if there are no other trades.
This is the number of times the applicant has been more than 60 days past due in the last 24 months. The past dues could be for the same or different trades. If one trade has been late 3 times, this parameter would show 1 if there are no other trades.
This is the number of trades that are 90 or more days past due in the recorded history of the bureau. Note that these trades may be delinquent, derogatory, and so on. The parameter makes no distinction that one trade has been late 3 times; this parameter would show 1 if there are no other trades. If one trade has been late 3 times, this parameter would show 1 if there are no other trades.
This is the number of times the applicant has been more than 90 days past due in the last 12 months. The past dues could be for the same or different trades. If one trade has been late 3 times, this parameter would show 1 if there are no other trades.
This is the number of times the applicant has been more than 90 days past due in the last 24 months. The past dues could be for the same or different trades. If one trade has been late 3 times, this parameter would show 1 if there are no other trades.
This is the number of trades on which the applicant is currently past due, according to the bureau.
This is the number of repossessions shown on the bureau for the applicant in the history of the bureau.
This is the total number of trades of all types, paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.
This shows the number of trades that have been reported where a lender is reporting a brand new account, but has not even billed the applicant yet.
This is the number of trades in collections assigned to collections agencies shown on the bureau for the applicant in the history of the bureau.
This is the number of trades in the history of the credit bureau for that applicant. Note that different bureaus store information for varying amounts of time.
The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:
1 = current
2 = 30-59 days late
3 = 60-89 days late
4 = 90-119 days late
5 = 120-149 days late
6 = 150- days late
7 = involved in a bankruptcy
8 = repossession, foreclosure
9 = charge-off
This parameter provides a count of the number of Chapter 11 Bankruptcies the applicant has filed in the stored history of the bureau.
This parameter provides a count of the number of Chapter 13 Bankruptcies the applicant has filed in the stored history of the bureau.
This parameter provides a count of the number of Chapter 7 Bankruptcies the applicant has filed in the stored history of the bureau.
This parameter provides a count of the number of bankruptcies of any type the applicant has filed in the stored history of the bureau.
The bureaus offer two basic types of scores, a FICO type, and a bankruptcy type. The term FICO score is sometimes used as a generic term for a credit score, but it is supposed to mean that the score is based on an algorithm purchased or licensed from Fair Isaac Corp. In the system, if a score is listed as a FICO score, it is based on a Fair Isaac model. A bankruptcy score is a score that is used to predict the likelihood of a consumer to file bankruptcy. It is provided much like a FICO score.
This parameter provides a count of the number of open Chapter 11 Bankruptcies associated with the applicant in the bureau.
This parameter provides a count of the number of open Chapter 13 Bankruptcies associated with the applicant in the bureau.
This parameter provides a count of the number of open Chapter 7 Bankruptcies associated with the applicant in the bureau.
This parameter provides a count of the number of bankruptcies of any type the applicant X has open currently.
For this parameter, “Recent” refers to the number of months since the subject's most recent bankruptcy filing. One would use this parameter to determine if the subject has filed for Chapter 11 bankruptcy in the last X months.
For this parameter, “Recent” refers to the number of months since the subject's most recent bankruptcy filing. One would use this parameter to determine if the subject has filed for Chapter 13 bankruptcy in the last X months.
For this parameter, “Recent” refers to the number of months since the subject's most recent bankruptcy filing. One would use this parameter to determine if the subject has filed for Chapter 7 bankruptcy in the last X months.
For this parameter, “Recent” refers to the number of months since the subject's most recent bankruptcy filing. One would use this parameter to determine if the subject has filed for any kind of bankruptcy in the last X months.
This parameter tracks whether the applicant has indicated a prior bankruptcy based on the checkbox in the the system’s Origination module. The prior bankruptcy is set to Y if the checkbox is checked otherwise it has a value of N.
This parameter reflects the longest period (in months) a tradeline has been open since the last derog.
This parameter reflects the longest period (in months) a tradeline has been open since the last minor delinquency.
This parameter considers the greatest amount of time (in months) between now and the corresponding major delinquency for all of the open parameters with major delinquencies, and reflects the greatest value returned.
This parameter considers the greatest amount of time (in months) between now and the corresponding minor delinquency for all of the open parameters with minor delinquencies, and reflects the greatest value returned.
This parameter considers the least amount of time (in months) between now and the corresponding major delinquency for all of the open parameters with major delinquencies, and reflects the least value returned.
This parameter considers the least amount of time (in months) between now and the corresponding minor delinquency for all of the open parameters with minor delinquencies, and reflects the least value returned.
This parameter considers the least amount of time (in months) between now and the corresponding major delinquency for all of the parameters (open and closed) with major delinquencies, and reflects the least value returned.
This parameter considers the least amount of time (in months) between now and the corresponding minor delinquency for all of the parameters (open and closed) with minor delinquencies, and reflects the least value returned.
Provides the number of trades that were derogatory in the last 12 months. This includes open and closed trades. These trades may or may not be derogatory now.
Provides the number of trades that were derogatory in the last 24 months. This includes open and closed trades. These trades may or may not be derogatory now.
Provides the number of trades that are derogatory right now. Does this include closed trades?
This parameter addresses the number of derogatory trades associated with the applicant. This includes open and closed trades.
This parameter covers the longest period (in months) since last derog.
This parameter covers the longest period (in months) a tradeline has been open since the last derog.
This parameter considers the least amount of time (in months) between now and the corresponding derog for all of the open parameters with derogs, and reflects the least value returned.
This parameter considers the least amount of time (in months) between now and the corresponding derog for all of the parameters (open and closed) with derogs, and reflects the least value returned.