2017.2

2017.2 Release

Experian Instant Prescreen

Improvements in setup and processing of Instant Prescreen Offers

New Decision Manager Variables

•	Registration Amount

•	Other Fees Amount

•	Established Trade Count (Excluding Student Lns) where Last 12 Mos of Pmt History is Paid as Agreed

We do not recommend using this variable if you are using Equifax or Equifax Canada credit reports. The month by month payment history with Equifax is only populated when there is at least one month of historical delinquency. Therefore, trades that have no reported historical delinquency also have no payment history other than the present status.

•	Established Trade Count (Excluding Student Lns) where Last 18 Mos of Pmt History is Paid as Agreed

•	Established Trade Count (Excluding Student Lns) where Last 24 Mos of Pmt History is Paid as Agreed

•	Now Delinquent Trades - Excluding Chg-Off/Repo/Coll

•	Now Delinquent Auto Trades - Excluding Chg-Off/Repo/Coll

•	Total Unsecured Balance - Excluding Chg-Offs/Auth User/Student Lns

This new variable differs only slightly from the old/already available variable titled “Total Unsecured Balance – Excluding Charge-Offs & Auth User Accounts”. The difference is that the old variable can indirectly exclude student loans because they are not generally classified as unsecured. The new variable explicitly excludes all student loans.

•	Total Unsecured Balance (Excluding Chg-Offs/Auth User/Student Lns) + Requested Loan Amount

•	UTI: Total Unsecured Balance (Excluding Chg-Offs/Auth User/Student Lns) + Requested Loan Amt / Gross Annual Income

Full descriptions for all variables available in Decision Manager can be found in the Appendix.

Variable Updates

•	All “Established Trade Count” variables updated to exclude family support obligations

•	Added registration and other fees in the amount that is subtracted for “All Add-Ons” and “Fee” Add-Ons in the following variables. Decision Manager products using these variables must be re-promoted in order to implement the change:

o	LTV: Approved Amount - All Add-Ons / Vehicle Value

o	LTV: Approved Amount – Fee & Paper Add-Ons / Vehicle Value

o	LTV: Requested Amount - All Add-Ons / Vehicle Value

o	LTV: Requested Amount - Fee & Paper Add-Ons / Sales Price

o	LTV: Requested Amount - Fee & Paper Add-Ons / Vehicle Value

Loan Amount Cutoff Defaults

Updated Loan Amount LTV Cutoff Calculations to include registration and other fees in the amount that is subtracted for “All Add-Ons” and “Fee” Add-Ons. Decision Manager products using these selections must be re-promoted in order to implement the change:

o	Loan Amount – All Add-Ons / Vehicle Value

o	Loan Amount – Fee & Paper Add-Ons / Vehicle Value

Bug Fixes

•	HTML Credit Report: Corrected missing application date in the HTML credit report displayed with a cross-sell application.

•	HTML Credit Report: Corrected missing address information in the credit request section was incomplete in the HTML credit report displayed with a cross-sell application.

•	Approval Authority Custom Rules: Corrected an issue where rules using a co-applicant variable were evaluated even when there was no co-applicant. This caused a false True when those rules were evaluated.

•	Application Date used in Matrices: Corrected the issue where “Application Date”, when used in a matrix, was not always saved as it was input.

•	Decision Log > Approval Authority Custom Rules: Corrected an issue where an internal code was displayed for the system approved tier in the decision log.

•	Debt Manager: Corrected an issue where applicant type (primary or co-applicant) for a tradeline was sometimes identified as the wrong applicant. This was impacting trade adjustments.

Page url: https://decision.cudl.com/help/index.html?2017_2.htm