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Variables |
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Variables |
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Variable Name |
Variable Source |
Range or List of Values |
Description |
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30/60 Days Past Due Trade Count |
Credit |
0-MAX |
Number of open and closed trades with a maximum delinquency ever of 30 or 60 days past due
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6 Month Inquiry Count |
Credit |
0-MAX |
Number of inquiries in the last 6 months
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90+ Days Past Due Trade Count |
Credit |
0-MAX |
Number of open and closed trades ever 90-180 days delinquent
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Additional Items Amount |
App Entry |
0-MAX |
Additional items amount from deal structure on the application entry |
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Address Verify Alert |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report includes an alert indicating a possible discrepancy with an address in the inquiry or on the credit report. Verification of the address is recommended. Use of this variable requires the applicable product be active at the credit bureau. With the product active, the following alerts will cause Address Verify Alert to be TRUE: Equifax – Identity Scan C – inquiry address associated with more than one name or SSN G – Inquiry address is listed as a U.S. Post Office street address H – Inquiry address is listed as a campground J – Inquiry address is listed as a hotel/motel P – inquiry address is listed as a correctional institution address R – inquiry address is not associated with this consumer name X – inquiry address associated with reported fraud Z – Inquiry address is listed as a mail receiving service 2 – inquiry address has been reported as misused |
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Address Verify Alert |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report includes an alert indicating a possible discrepancy with an address in the inquiry or on the credit report. Verification of the address is recommended. Use of this variable requires the applicable product be active at the credit bureau. With the product active, the following alerts will cause Address Verify Alert to be TRUE: Equifax Canada – Safescan 2 – Inquiry social insurance number associated with more than one name or address 6 – Address associated with more than one name or social insurance number 7 – Inquiry address is a detention center 8 – Inquiry address is a mail drop 9 – Inquiry address reported misused E – Inquiry address is high risk for fraud H – Inquiry address reported misused – confirmed true name fraud K – Inquiry/credit file address is new within 30 days T – Inquiry address is a hotel/motel |
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Address Verify Alert |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report includes an alert indicating a possible discrepancy with an address in the inquiry or on the credit report. Verification of the address is recommended. Use of this variable requires the applicable product be active at the credit bureau. With the product active, the following alerts will cause Address Verify Alert to be TRUE: Experian – Fraud Shield 01 – Inquiry/onfile current address conflict 02 – Inquiry address first reported less than 90 days 03 – Inquiry current address not on file 10 – Inquiry address: alert 11 – Inquiry Address: non-residential 15 – Inquiry address: cautious 16 – Onfile address: alert 17 – Onfile address: non-residential 18 – Onfile address: cautious 19 – Current address reported by new trade only 20 – Current address reported by trade open less than 90 days 21 – Telephone number inconsistent with onfile address |
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Address Verify Alert |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report includes an alert indicating a possible discrepancy with an address in the inquiry or on the credit report. Verification of the address is recommended. Use of this variable requires the applicable product be active at the credit bureau. With the product active, the following alerts will cause Address Verify Alert to be TRUE: TransUnion – High Risk Fraud Alert 0001 – Input (current/previous) address is a mail receiving/forwarding service 0002 – Input (current/previous) address is a hotel/motel or temporary residence 0003 – Input (current/previous) address is a credit correction service 0004 – Input (current/previous) address is a camp site 0005 – Input (current/previous) address is a secretarial service 0006 – Input (current/previous) address is a check cashing service 0007 – Input (current/previous) address is a restaurant/bar/night club 0008 – Input (current/previous) address is a storage facility 0009 – Input (current/previous) address is an airport/airfield 0010 – Input (current/previous) address is a truck stop 0501 – Input (current/previous) address is a correctional institution 0502 – Input (current/previous) address is a hospital or clinic 0503 – Input (current/previous) address is a nursing home 1001 – Input (current/previous) address is a U.S. Post Office 1501 – Input (current/previous) address reported as suspicious 1502 – Input (current/previous) address is a multi-unit building reported as suspicious (Secondary #) 1503 – Input (current/previous) address reported misused and requires further investigation (street address or POB#) 1504 – Input (current/previous) address is a multi-unit building reported misused and requires further investigation (Secondary #) 2001 – Input (current/previous) address reported used in true name fraud or credit fraud 3000 – Input (current/previous) address requires further investigation |
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Age of Consumer (Yrs) |
App Entry |
0-MAX |
The age of a consumer represented in years
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Age of Oldest Auto Trade |
Credit |
0-MAX |
Age (in months) of oldest auto trade
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Age of Oldest Trade (Mos) |
Credit |
0-MAX |
Age (in months) of oldest trade
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Age of Oldest Trade of Applicant with Highest Income |
Decision |
0-MAX |
The age of the oldest trade from the applicant with the highest income
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Age of Oldest Trade-Excluding Authorized User Trades (Mos) |
Credit |
0-MAX |
Age (in months) of oldest trade where the subject is not an authorized user on the account
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Age of Oldest Trade-Excluding Authorized User Trades of Applicant with Highest Income |
Decision |
0-MAX |
The age of the oldest trade (excluding authorized user trades) from the applicant with the highest income
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All Inquiry Count |
Credit |
0-MAX |
Number of inquiries
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AML Decision |
Credit |
AML Decision Not Performed, Fail, Pass |
AML Decision is part of Equifax Canada’s AML Assist product. It is used for identity verification.
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Amount Paid by Insurance |
App Entry |
0-MAX |
The amount paid by insurance for Medical or Medical Equipment loan types |
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Application Date |
App Entry |
0-MAX |
Date application was entered into the system |
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Application has Comments |
App Entry |
TRUE, FALSE |
True when an application includes any text in the comments box |
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Applicant Custom Field |
App Entry |
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Input from Applicant Custom field on application entry |
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Application Custom Text Field [1-20] |
App Entry |
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Input text from application entry custom text fields
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Application Custom Amount Field [1-10] |
App Entry |
0-MAX |
Input amount from application entry custom amount fields
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Application Custom Number Field [1-10] |
App Entry |
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Input number from application entry custom number fields
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Application Custom Percentage Field [1-10] |
App Entry |
0-MAX |
Input percentage from application entry custom percentage fields
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Application Custom True/False Field [1-30] |
App Entry |
TRUE, FALSE |
True/False selection from application entry custom true/false fields
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Application Type |
App Entry |
Credit Application,Credit Inquiry,Membership Application |
Application Type from application entry |
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Approval Authority Level |
Decision |
1-10 |
The decision engine assigned application approval authority level
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Approved Loan Amount |
Decision |
0-MAX |
The Loan amount assigned by the decision engine
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Approved Loan Amount Less Vehicle Value |
Decision |
MIN-MAX |
Approved Loan Amount minus Vehicle Value
(Approved Loan Amount – Vehicle Value)
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Approved Rate |
Decision |
0-MAX |
The Rate assigned by the decision engine
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Approved Term |
Decision |
0-MAX |
The Term assigned by the decision engine
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Approved Tier |
Decision |
0-MAX |
The tier (also known as “grade” or “risk level”) assigned by the decision engine
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Authorized User Trade Count |
Credit |
0-MAX |
Number of open and closed trades where the consumer is reported as an authorized user
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Auto Repossession Count |
Credit |
0-MAX |
Number of auto trades in repossession status |
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Auto Repossessions with Balance Owing |
Credit |
0-MAX |
Number of auto trades that have a balance greater than 0 and are in repossession status |
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Auto Trade Count |
Credit |
0-MAX |
Number of auto loans and leases |
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Auto Trades Ever 30+ Days Past Due |
Credit |
0-MAX |
Number of auto loans and leases ever 30+ days past due
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Auto Trades Ever 60+ Days Past Due |
Credit |
0-MAX |
Number of auto loans and leases ever 60+ days past due
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Auto Trades Opened Last 12 Months |
Credit |
0-MAX |
Count of all auto trades opened in the last 12 months |
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Auto Trades Opened Last 18 Months |
Credit |
0-MAX |
Count of all auto trades opened in the last 18 months |
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Auto Trades Opened Last 24 Months |
Credit |
0-MAX |
Count of all auto trades opened in the last 24 months |
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Auto Trades Opened Last 3 Months |
Credit |
0-MAX |
Count of all auto trades opened in the last 3 months |
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Auto Trades Opened Last 36 Months |
Credit |
0-MAX |
Count of all auto trades opened in the last 36 months |
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Auto Trades Opened Last 48 Months |
Credit |
0-MAX |
Count of all auto trades opened in the last 48 months |
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Auto Trades Opened Last 6 Months |
Credit |
0-MAX |
Count of all auto trades opened in the last 6 months |
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Auto Trades Opened Last 9 Months |
Credit |
0-MAX |
Count of all auto trades opened in the last 9 months |
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Auto Trades w/Any Delq in Last xx Mos |
Credit |
0-MAX |
Number of auto trades with any delinquency occurring in the last [xx] months
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Auto Trades where Max Delq in Last [xx] Mos is Major Derog |
Credit |
0-MAX |
Number of auto trades where the maximum delinquency that occurred in the last [xx] months is a major derog
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Auto Trades where Max Delq in Last [xx] Mos is Minor Derog |
Credit |
0-999 |
Number of trades where the maximum delinquency that occurred in the last [xx] months is a minor derog
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Balloon Loan |
App Entry |
TRUE, FALSE |
Per selection on application entry, indicates if the requested loan is a balloon loan |
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Bankruptcy 1.0 Score |
Credit |
0-999 |
Consumer’s credit score for this TransUnion risk model
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Bankruptcy Count |
Credit |
0-MAX |
Number of bankruptcy actions filed
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Bankruptcy PLUS Score |
Credit |
1-1400 |
Consumer’s credit score for this Experian risk model
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Bankruptcy PLUS Rescaled Score |
Credit |
300-900 |
Consumer's credit score for this Experian risk model
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Bankruptcy Score |
Credit |
108-1440 |
Consumer’s credit score for this Experian risk model
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Bankruptcy Watch Score |
Credit |
1-999 |
Consumer’s credit score for this Experian risk model
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BNI 3.0 – No BK (Calibrated) Score |
Credit |
1-300 |
Model retired January 30, 2015 Refer to BNI 4.0 |
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BNI 3.0 – No BK Score |
Credit |
1-600 |
Model retired January 30, 2015 Refer to BNI 4.0 |
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BNI 3.0 – Scores BK (Calibrated) Score |
Credit |
1-300 |
Model retired January 30, 2015 Refer to BNI 4.0 |
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BNI 3.0 – Scores BK Score |
Credit |
1-600 |
Model retired January 30, 2015 Refer to BNI 4.0 |
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BNI 4.0 – Scores BK |
Credit |
1-600 |
Consumer’s credit score for this Equifax risk model
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BNI 4.0 – No Score w/BK |
Credit |
1-600 |
Consumer’s credit score for this Equifax risk model
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Business Organization Type |
App Entry |
Club/group/association, Corporation, Home Owners Association, Limited Liability Company, Limited Liability Partnership, Limited Partnership, Non Profit, Other, Partnership, Sole Proprietor, Trust, Member LLC, Non-Profit Corporation, Non-Profit Organization |
Type of Organization, as received from the application entry, for a business application
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Card Type |
App Entry |
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Card Type from selection on application entry |
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Cash Down Amount |
App Entry |
MIN, MAX |
Cash down payment |
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CB Score is Missing |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report has no score for the requested credit bureau score model. |
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CB1 Score |
Credit |
0-MAX |
Consumer’s credit score for the credit bureau score model selected as CB1 Score on the Credit Bureau Setup screen in Decision Manager.
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CB2 Score |
Credit |
0-MAX |
Consumer’s credit score for the credit bureau score model selected as CB2 Score on the Credit Bureau Setup screen in Decision Manager.
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CB3 Score |
Credit |
0-MAX |
Consumer’s credit score for the credit bureau score model selected as CB3 Score on the Credit Bureau Setup screen in Decision Manager.
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CB4 Score |
Credit |
0-MAX |
Consumer’s credit score for the credit bureau score model selected as CB4 Score on the Credit Bureau Setup screen in Decision Manager.
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CB5 Score |
Credit |
0-MAX |
Consumer’s credit score for the credit bureau score model selected as CB5 Score on the Credit Bureau Setup screen in Decision Manager.
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CB1 Score of Applicant with Highest Income |
Decision |
0-MAX |
Credit bureau score from the model selected as CB1, of the applicant (primary or co-applicant) with the highest income
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CB2 Score of Applicant with Highest Income |
Decision |
0-MAX |
Credit bureau score from the model selected as CB2, of the applicant (primary or co-applicant) with the highest income
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CB3 Score of Applicant with Highest Income |
Decision |
0-MAX |
Credit bureau score from the model selected as CB3, of the applicant (primary or co-applicant) with the highest income
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CB4 Score of Applicant with Highest Income |
Decision |
0-MAX |
Credit bureau score from the model selected as CB4, of the applicant (primary or co-applicant) with the highest income
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CB5 Score of Applicant with Highest Income |
Decision |
0-MAX |
Credit bureau score from the model selected as CB5, of the applicant (primary or co-applicant) with the highest income
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Channel |
App Entry |
Indirect, Internet, In Person, Mail, Phone |
Identifies the source of the application on application entry |
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CDN BEACON 5.0 |
Credit |
300-900 |
Consumer’s credit score for this Equifax Canada risk model
|
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CDN BEACON 9.0 |
Credit |
300-900 |
Consumer’s credit score for this Equifax Canada risk model
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CDN BNI 2.0 |
Credit |
1-999 |
Consumer’s credit score for this Equifax Canada risk model
|
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CDN BNI 3.0 |
Credit |
1-999 |
Consumer’s credit score for this Equifax Canada risk model
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Citizenship Status |
App Entry |
Citizen, Non-Resident Alien, Permanent Resident Alien, Not Given |
Applicant’s citizenship status, form the application entry
|
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Co-Applicant Custom Field |
App Entry |
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Input from Applicant Custom field on application entry |
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Co-Applicant Included |
App Entry |
TRUE, FALSE |
True if co-applicant exists on the credit application |
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Co-Applicant Detailed Relationship to Applicant |
App Entry |
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The detailed relationship between the primary applicant and the co-applicant
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Co-Applicant Relationship to Applicant |
App Entry |
Joint and Spousal, Joint and Non-Spousal, Co-signer and Non-Spousal, No Co-Applicant |
The relationship between the primary applicant and the co-applicant |
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Collection Count |
Credit |
0-MAX |
Number of open and closed trades in collection status
|
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Co-Signer Exists |
App Entry |
TRUE, FALSE |
True if co-signer exists on application |
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Counter on Loan Amount |
Decision |
TRUE, FALSE |
True if system approved loan amount is less than requested loan amount |
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Counter on Term |
Decision |
TRUE, FALSE |
True if system approved term is not the same as requested term |
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Credit Disability Amount |
App Entry |
0-MAX |
Credit disability amount from deal structure on the application entry |
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Credit File Frozen/Locked |
Credit |
TRUE, FALSE |
Set to TRUE when, per the consumer’s request, a security freeze or lock has been placed on the credit report. When a credit report is frozen or locked it cannot be released without the consumer’s consent. Instead, the credit report will contain just the frozen or locked alert. |
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Credit Protection Accepted |
App Entry |
TRUE, FALSE |
Set to TRUE when a credit protection policy has been selected in the Lending 360 Payment Calculator
|
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Credit Report Not Retrieved |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report was not retrieved from the credit bureau due to an error or no response from the credit bureau. |
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Credit Request Only |
App Entry |
TRUE, FALSE |
Set to TRUE for transactions that request a credit report without creating an application for credit. |
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CreditVision Auto Score |
Credit |
300-850 |
Consumer’s credit score for this TransUnion risk model
|
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CreditVision Income Estimator Score |
Credit |
0-999 |
Consumer’s credit score for this TransUnion risk model
|
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CreditVision New Account V2 Score |
Credit |
|
Consumer’s credit score for this TransUnion risk model
|
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CU Employee |
App Entry |
TRUE, FALSE |
True if the seller has indicated that the applicant is a credit union employee |
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CU Pre-Approved |
App Entry |
TRUE, FALSE |
Set to TRUE when “Pre-Approved” is selected on the application entry or if the current decision is "Pre-Approved" per a Pre-Approval Campaign
|
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Current Address City |
App Entry |
|
City from applicant’s current address on application entry |
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Current Address State |
App Entry |
|
State/Province from applicant’s current address on application entry |
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Current Address Postal Code |
App Entry |
MIN, MAX |
Postal code from applicant’s current address on application entry
|
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Current Address Country |
App Entry |
Unites States, Canada |
Country from the applicant’s current address on application entry |
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Current Address Mismatch Alert
Previously: Address Discrepancy Alert |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report includes an alert indicating that the inquiry address does not match the on-file address. Equifax: Compares all inquiry addresses to all on-file addresses. Experian: The current on-file address is compared to each inquiry address. If neither of the inquiry addresses matches the on-file current address, then the address is flagged as different from inquiry. TransUnion: Compares the inquiry current address to the on-file current address. Equifax Canada: Compares all inquiry addresses to all on-file addresses. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Custom Amount Field [1-10] |
App Entry |
0-MAX |
Input amount from application entry custom amount fields
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Custom Number Field [1-10] |
App Entry |
0-MAX |
Input number from application entry custom number fields
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Custom Percentage Field [1-10] |
App Entry |
0-MAX |
Input percentage from application entry custom percentage fields
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Custom Program |
App Entry |
|
Custom Program is a lender defined variable and may require a custom lending system process to generate the expected value/data
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Custom Score |
Decision |
0-MAX |
Consumer’s credit score for a custom scorecard
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Custom Score of Applicant with Highest Income |
Decision |
0-MAX |
Custom credit score of applicant with the highest income
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Custom Text Field [1-20] |
App Entry |
|
Input text from application entry custom text fields
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Custom True/False Field [1-10] |
App Entry |
TRUE, FALSE |
True/False selection from application entry custom fields
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Date of Birth |
App Entry |
|
Applicant’s date of birth from application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Date of Birth Mismatch Alert |
Credit |
TRUE, FALSE |
Date of Birth Mismatch Alert is a True/False variable. The variable is calculated by comparing the date of birth used in the credit inquiry to the date of birth on the credit report. If the dates do not match, then Date of Birth Mismatch Alert is True. Otherwise, the variable is False.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Dealer Employee |
App Entry |
TRUE, FALSE |
True if the seller has indicated that the applicant is employed by the dealer entering the application |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Debt Ratio Before New Loan |
Decision |
0-MAX |
Ratio of monthly payments (before new loan) to gross monthly income (Monthly Payments Before New Loan Payment / Gross Monthly Income) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Debt Ratio With New Loan Pmt and Trade-In Pmt |
Decision |
0-MAX |
Ratio of monthly payments (with new loan) to gross monthly income (Monthly Payments With New Loan Pmt and Trade-In Pmt / Gross Monthly Income) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Debt Ratio With New Loan Pmt minus Trade-In Pmt |
Decision |
0-MAX |
Ratio of monthly payments (with new loan) to gross monthly income (Monthly Payments With New Loan Pmt Minus Trade-In Pmt / Gross Monthly Income) *100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Decision |
Decision |
Approve, Decline, Refer |
The decision assigned by the decision engine
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Discharged Bankruptcy Count |
Credit |
0-MAX |
Number of discharged bankruptcies |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Discretionary Income - Before New Loan |
Decision |
0-MAX |
Monthly income after payment obligations have been met (Gross Monthly Income – Monthly Payments Before New Loan – Estimated Taxes – Estimated Living Expenses)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Discretionary Income - With New Loan |
Decision |
0-MAX |
Monthly income after payment obligations have been met (Gross Monthly Income - Monthly Payments With New Loan – Trade-In Pmt Loan – Estimated Taxes – Estimated Living Expenses)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Disputed Trade and Collection Count |
Credit |
0-MAX |
Number of trades and collections that are disputed by consumer |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Doc Fees Amount |
App Entry |
0-MAX |
Doc fees amount from deal structure on application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Down Payment Amount |
App Entry |
MIN, MAX |
Cash down payment |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Duplicate Application |
App Entry |
TRUE, FALSE |
Set to TRUE when the application entry system detects a duplicate application Applications are considered duplicates if all the following rules are true:
For clients that have turned on the option to “allow applications with no input SSN/SIN to be flagged as duplicates”, then...
Note: The configuration for number of duplicate application days is set in the application entry system and the application entry system determines when applications are duplicates. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Employer Name or Income Source |
App Entry |
|
Employer name or income source as input at application entry
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Employment Status |
App Entry |
Employed, Retired, Self-Employed, Unemployed |
Applicant employment status |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Environmental Package Amount |
App Entry |
0-MAX |
Environmental package amount from deal structure on application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Equifax VantageScore V1 |
Credit |
501-990 |
Consumer’s credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Equifax VantageScore V3 |
Credit |
300-850 |
Consumer’s credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Equifax VantageScore V4 |
Credit |
300-850 |
Consumer’s credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Established Trade Count |
Credit |
0-MAX |
Number of open and closed trades where the consumer is liable for payment
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Established Trade Count of Applicant with Highest Income |
Decision |
0-MAX |
Number of open and closed trades where the consumer is liable for payment, from the applicant with the highest income.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Established Trade Count – Excluding Student Loans |
Credit |
0-MAX |
Number of open and closed trades, excluding student loans, where the consumer is liable for payment.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Established Trade Count (Excluding Student Loans) where Last 12 Mos of Pmt History is Paid as Agreed |
Credit |
0-MAX |
Number of open and closed trades, excluding student loans, where the consumer is liable for payment. Only counts trades where at least the last 12 consecutive months of payment history is reported paid as agreed.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Established Trade Count (Excluding Student Loans) where Last 18 Mos of Pmt History is Paid as Agreed |
Credit |
0-MAX |
Number of open and closed trades, excluding student loans, where the consumer is liable for payment. Only counts trades where at least the last 18 consecutive months of payment history is reported paid as agreed.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Established Trade Count (Excluding Student Loans) where Last 24 Mos of Pmt History is Paid as Agreed |
Credit |
0-MAX |
Number of open and closed trades, excluding student loans, where the consumer is liable for payment. Only counts trades where at least the last 24 consecutive months of payment history is reported paid as agreed.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Estimated Home Value |
App Entry |
0-MAX |
Subject Property > Estimated Value from application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Experian VantageScore V1 |
Credit |
501-990 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Experian VantageScore V3 |
Credit |
300-850 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Experian VantageScore V4 |
Credit |
300-850 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Existing Rate is Less Than or Equal To Approved Rate |
Decision |
TRUE, FALSE |
True/False flag indicating whether or not the Existing Rate is less than or equal to the System Approved Rate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Existing Limit is Greater Than or Equal To Approved Limit |
Decision |
TRUE, FALSE |
True/False flag indicating whether or not the Existing Credit Limit is greater than or equal to the System Approved Loan Amount
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fair Isaac Advanced Risk V2 Score |
Credit |
150-950 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fair Isaac Auto V2 Score |
Credit |
250-900 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fair Isaac Auto V3 Score |
Credit |
250-900 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fair Isaac New V2 Score |
Credit |
300-850 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fair Isaac V3 Score |
Credit |
300-850 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fast Start Score |
Decision |
0-999 |
Consumer’s credit score for the Fast Start risk model. Fast Start is an Experian developed risk model that can be used with Experian, Equifax, or TransUnion credit reports. The score is calculated after delivery of the credit report and evaluates credit history and application data. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO 08 Risk Score |
Credit |
300-850 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Auto 08 Risk Score |
Credit |
250-900 |
Low Score = High Risk / High Score = Low Risk |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Bankcard 08 Risk Score |
Credit |
250-900 |
Low Score = High Risk / High Score = Low Risk |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Bankruptcy 03 Score |
Credit |
278-901 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Bankruptcy 98 Score |
Credit |
338-870 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic 04 Score |
Credit |
309-839 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic 08 Score |
Credit |
341-850 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic 95 Score |
Credit |
403-834 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic 98 Score |
Credit |
336-843 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic Auto 04 Score |
Credit |
253-893 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic Auto 08 Score |
Credit |
250-900 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic Auto 95 Score |
Credit |
312-872 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic Auto 98 Score |
Credit |
250-854 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic Bankcard 08 Score |
Credit |
265-900 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO NextGen 03 Score |
Credit |
221-950 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Auto V5 FACTA Score |
Credit |
250-900 |
Consumer’s credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Auto V5 Non-FACTA Score |
Credit |
250-900 |
Consumer's credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Auto V8 FACTA Score
|
Credit |
250-900 |
Consumer's credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Auto V8 Non-FACTA Score |
Credit |
250-900 |
Consumer's credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Auto V9 FACTA Score (Equifax) |
Credit |
250-900 |
Consumer’s credit score for this Equifax risk model Low Score = High Risk / High Score = Low Risk Product Code: 05207 |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Auto V9 Score (Experian) |
Credit |
250-900 |
Consumer’s credit score for this Experian risk model Low Score = High Risk / High Score = Low Risk Product Code: FE |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Auto V9 Score (TransUnion) |
Credit |
250-900 |
Consumer's credit score for this TransUnion risk model Low Score = High Risk / High Score = Low Risk Product Code: 00W82 |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Bankcard V8 FACTA Score |
Credit |
250-900 |
Consumer's credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Bankcard V8 Non-FACTA Score |
Credit |
250-900 |
Consumer's credit score for this Equifax risk model Low Score = High Risk / High Score = Low Risk Formerly BEACON 09 Bankcard Industry Score |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic V5 FACTA Score |
Credit |
300-850 |
Consumer’s credit score for this Equifax risk model Low Score = High Risk / High Score = Low Risk Formerly FACTA BEACON 5.0 Score |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic V5 Non-FACTA Score |
Credit |
300-850 |
Consumer's credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic V8 FACTA Score |
Credit |
300-850 |
Consumer's credit score for this Equifax risk model Low Score = High Risk / High Score = Low Risk Formerly FACTA BEACON 09 Score |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO Classic V8 Non-FACTA Score |
Credit |
300-850 |
Consumer's credit score for this Equifax risk model
Formerly BEACON 09 Score |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO NextGen V2 FACTA Score |
Credit |
150-950 |
Consumer’s credit score for this Equifax risk model Low Score = High Risk / High Score = Low Risk Formerly FACTA Pinnacle 2.0 Score |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO NextGen V2 Non-FACTA Score |
Credit |
150-950 |
Consumer’s credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO V9 FACTA Score (Equifax) |
Credit |
300-850 |
Consumer’s credit score for this Equifax risk model Low Score = High Risk / High Score = Low Risk Product Code: 05206 |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO V9 Score (Experian) |
Credit |
300-850 |
Consumer’s credit score for this Experian risk model Low Score = High Risk / High Score = Low Risk Product Code: F9 |
|||||||||||||||||||||||||||||||||||||||||||||||||||
FICO V9 Score (TransUnion) |
Credit |
300-850 |
Consumer’s credit score for this TransUnion risk model Low Score = High Risk / High Score = Low Risk Product Code: 00W18 |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Finance Inquiry Count |
Credit |
0-MAX |
Number of inquiries made by finance companies
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Finance Trade Count |
Credit |
0-MAX |
Number of open finance company trades reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Foreclosure Count |
Credit |
0-MAX |
Number of trades in foreclosure status |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fraud Advisor 2.0 and ID Advisor Plus-all risk groups |
Credit |
10-90 |
Consumer's score for this Equifax fraud risk indicator
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fraud Advisor 2.0 and Id Advisor Plus-high risk group |
Credit |
10-90 |
Consumer's score for this Equifax fraud risk indicator
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fraud Advisor 2.0 Score |
Credit |
10-90 |
Consumer's score for this Equifax fraud risk indicator
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fraud Shield Score PLUS |
Credit |
1-999 |
Consumer’s score for this Experian fraud risk indicator
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Fraud Victim Alert |
Credit |
TRUE, FALSE |
Set to TRUE when, per the consumer’s request, a fraud victim alert has been placed on the credit report.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
GAP Amount |
App Entry |
0-MAX |
GAP amount from deal structure on application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
GAP Accepted |
App Entry |
TRUE, FALSE |
Set Set to TRUE when a GAP policy has been accepted per the additional product status in the Lending 360 Payment Calculator
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Gross Annual Income |
Decision |
0-MAX |
Total monthly income from all income sources as entered in the application, multiplied by 12 (Gross Monthly Income * 12)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Gross Monthly Income |
App Entry |
MIN, MAX |
Gross monthly income of applicant and/or co-applicant
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Highest Original Auto Amount |
Credit |
0-MAX |
Highest original loan or lease amount of open and closed auto trades |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Highest Original Installment Amount – Excluding Student Loans |
Credit |
0-MAX |
Highest original loan amount of open and closed installment trades
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Highest Original Installment/Mortgage Amount – Excluding Student Loans |
Credit |
0-MAX |
Highest original loan amount of open and closed installment and mortgage trades
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Highest Original Loan Amount – Excluding Student Loans |
Credit |
0-MAX |
Highest original loan amount of open and closed trades
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Highest Original Secured Amount |
Credit |
0-MAX |
Highest original loan amount of open and closed secured trades
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Highest Original Unsecured Amount |
Credit |
0-MAX |
Highest original loan amount of open and closed unsecured trades
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Highest Original Vehicle Amount |
Credit |
0-MAX |
Highest original loan amount of open and closed vehicle trades
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Highest Score: App CB1/App CB2 |
Decision |
0-MAX |
The primary applicant’s highest credit bureau score of risk models selected for CB1 and CB2 on the credit bureau setup screen in Decision Manager
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Highest Score: App CB1/App CB2/CoApp CB1/CoApp CB2 |
Decision |
0-MAX |
The highest score from the primary or secondary applicant of risk models selected for CB1 and CB2 on the credit bureau setup screen in Decision Manager |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Host Relationship Code |
App Entry |
|
The relationship the applicant has with the credit union. Can indicate a preferred or Signature Member status, or fraudulent activity, or expelled
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Housing Rental Trade Count |
Credit |
0-MAX |
Number of trades that are housing rentals
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Housing Rental Trade Count – Open/Rptd Last 6 Mos |
Credit |
0-MAX |
Number of housing rental trades that are open and have been reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Housing Type |
App Entry |
Owns, Rents, Other |
Housing Type from the application entry is mapped to the associated value in Decision Manger: |
|||||||||||||||||||||||||||||||||||||||||||||||||||
App Entry Value |
Maps to DM Value |
|||||||||||||||||||||||||||||||||||||||||||||||||||||
Owns |
Owns |
|||||||||||||||||||||||||||||||||||||||||||||||||||||
Owns Free and Clear |
Owns |
|||||||||||||||||||||||||||||||||||||||||||||||||||||
Rents |
Rents |
|||||||||||||||||||||||||||||||||||||||||||||||||||||
Boards |
Rents |
|||||||||||||||||||||||||||||||||||||||||||||||||||||
Lease |
Rents |
|||||||||||||||||||||||||||||||||||||||||||||||||||||
Government Housing |
Rents |
|||||||||||||||||||||||||||||||||||||||||||||||||||||
Lives With Parents |
Lives with Parents |
|||||||||||||||||||||||||||||||||||||||||||||||||||||
Other |
Other |
|||||||||||||||||||||||||||||||||||||||||||||||||||||
IDV Decision |
App Entry |
Error, Fail, Fail (No Records Found), Not Requested, Pass |
The decision received in the IDV report from ChexSystems
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Income Estimator 3.0 |
Credit |
0-999 |
Consumer’s score for this TransUnion income predictor model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Income Insight Score |
Credit |
15-990 |
Consumer’s score for this Experian income predictor model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Income Insight W2 Score |
Credit |
1-990 |
Consumer’s score for this Experian income predictor model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Instant Prescreen Score 1 |
App Entry |
0-9999 |
The score from the 1st risk model in an Instant Prescreen Response
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Instant Prescreen Score 2 |
App Entry |
0-9999 |
The score from the 2nd risk model in an Instant Prescreen Response
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Instant Prescreen Score 3 |
App Entry |
0-9999 |
The score from the 3rd risk model in an Instant Prescreen Response
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Instant Prescreen Score 4 |
App Entry |
0-9999 |
The score from the 4th risk model in an Instant Prescreen Response
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Instant Prescreen Score Model 1 |
App Entry |
0-9999 |
The model code from the 1st risk model in an Instant Prescreen Response
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Instant Prescreen Score Model 2 |
App Entry |
0-9999 |
The model code from the 2nd risk model in an Instant Prescreen Response
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Instant Prescreen Score Model 3 |
App Entry |
0-9999 |
The model code from the 3rd risk model in an Instant Prescreen Response
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Instant Prescreen Score Model 4 |
App Entry |
0-9999 |
The model code from the 4th risk model in an Instant Prescreen Response
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
InstaTouch Compare Name Match |
App Entry |
Compare Not Performed, No, Yes |
Original source = Equifax InstaTouch Compare API
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
InstaTouch Compare Address Match |
App Entry |
Compare Not Performed, No, Yes |
Original source = Equifax InstaTouch Compare API
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
InstaTouch Compare SSN Match |
App Entry |
Compare Not Performed, No, Yes |
Original source = Equifax InstaTouch Compare API
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
InstaTouch Compare Date of Birth Match |
App Entry |
Compare Not Performed, No, Yes |
Original source = Equifax InstaTouch Compare API
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
InstaTouch Compare Home Phone Match |
App Entry |
Compare Not Performed, No, Yes |
Original source = Equifax InstaTouch Compare API
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
InstaTouch Fraud Score |
App Entry |
0-MAX |
Original source = Equifax InstaTouch Fraud API Higher score = higher risk / Lower score = lower risk
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
iovation Result |
App Entry |
Allow, Review, Deny, No Response |
Returns the results of the iovation decision
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Is Cross Sell |
App Entry |
TRUE, FALSE |
True when the loan product being processed is not the loan applied for, but instead, a cross-sell opportunity. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Is Initial System Decision |
App Entry |
TRUE, FALSE |
Indicates whether the system rendered decision is the initial decision or the result of a re-decision
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Is Instant Prescreen Offer |
App Entry |
TRUE, FALSE |
True when a decision request is triggered by accepting an Instant Prescreen Offer AND the requested amount is less than or equal to the offer max amount AND the requested term is less than or equal to the max offer term.
Product Information
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Charge-Off Trade Count |
Credit |
0-MAX |
Count of trades for the given lender that are in charge-off status |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Host Total Unsecured Credit |
App Entry |
0-MAX |
Lender total unsecured credit as received from Host System |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Host Total Unsecured Credit + Requested Loan Amount |
Decision |
0-MAX |
Total Unsecured Credit from Lender Host System + Requested Loan Amount from application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Open Trade Count |
Credit |
0-MAX |
Count of all open trades for the given lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Total Credit |
Credit |
0-MAX |
Total amount of extended credit that is reported with the given lender’s owned subscriber codes
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Total Credit + Requested Loan Amount |
Decision |
0-MAX |
Total amount of extended credit that is reported with the given lender’s owned subscriber codes + the requested loan amount
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Total Trade Count |
Credit |
0-MAX |
Count of all trades for the given lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Total Unsecured Credit |
Credit |
0-MAX |
Total unsecured credit extended by given lender and reported on the credit report
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Total Unsecured Credit + Requested Loan Amount |
Decision |
0-MAX |
Total unsecured credit extended by given lender and reported on the credit report + the requested loan amount
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Trades Opened Last 12 Months |
Credit |
0-MAX |
Count of all trades opened in the last 12 months for the given lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Trades Opened Last 18 Months |
Credit |
0-MAX |
Count of all trades opened in the last 18 months for the given lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Trades Opened Last 24 Months |
Credit |
0-MAX |
Count of all trades opened in the last 24 months for the given lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Trades Opened Last 3 Months |
Credit |
0-MAX |
Count of all trades opened in the last 3 months for the given lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Trades Opened Last 36 Months |
Credit |
0-MAX |
Count of all trades opened in the last 36 months for the given lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Trades Opened Last 48 Months |
Credit |
0-MAX |
Count of all trades opened in the last 48 months for the given lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Trades Opened Last 6 Months |
Credit |
0-MAX |
Count of all trades opened in the last 6 months for the given lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Lender Trades Opened Last 9 Months |
Credit |
0-MAX |
Count of all trades opened in the last 9 months for the given lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
License Amount |
App Entry |
0-MAX |
License amount from deal structure on application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Loan Product |
App Entry |
|
Loan Product name as defined by lender in Lending 360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Loan Product Name |
App Entry |
|
Loan Product Name as defined by lender in Lending 360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Loan Purpose |
App Entry |
See Details in next column |
Loan Purpose from the application entry
List of Values: Cash-out refinancing, Debt Consolidation, Home Improvement, Not applicable, Other, Purchase, Rate/Term, Refinance |
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Approved Amount + Subject Property Remaining Lien Balance / Estimated Home Value |
Decision |
0-MAX |
Ratio of Approved Loan Amount + Subject Property Remaining Lien Balance to Estimated Home Value
((Approved Loan Amount + Subject Property Remaining Lien Balance) / Estimated Home Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Approved Amount – All Add-Ons / Vehicle Value |
Decision |
0-MAX |
Ratio of Approved Loan Amount (less all Add-Ons) to Vehicle Value
((Approved Loan Amount – All Add-Ons) / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Approved Amount – Fee & Paper Add-Ons / Vehicle Value |
Decision |
0-MAX |
Ratio of Approved Loan Amount (less Fee & Paper Add-Ons) to Vehicle Value
((Approved Loan Amount – Fee & Paper Add-Ons) / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Approved Amount – GAP Amount / Vehicle Value |
Decision |
0-MAX |
Ratio of Approved Loan Amount (less GAP Amount) to Vehicle Value
((Approved Loan Amount – GAP Amount) / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Approved Amount – Paper Add-Ons / Vehicle Value |
Decision |
0-MAX |
Ratio of Approved Loan Amount (less Paper Add-Ons) to Vehicle Value
((Approved Loan Amount – Paper Add-Ons) / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Approved Amount / Sales Price |
Decision |
0-MAX |
Ratio of Approved Loan Amount to Vehicle Sales Price
(Approved Loan Amount / Vehicle Sales Price) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Approved Amount / Vehicle Value |
Decision |
0-MAX |
Ratio of Approved Loan Amount to Vehicle Value
(Approved Loan Amount / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Approved Amount / Vehicle Value or Sales Price (whichever is less) |
Decision |
0-MAX |
Ratio of Approved Loan Amount to lesser of Vehicle Value and Vehicle Sales Price
(Approved Loan Amount / (Min: Vehicle Value, Vehicle Sales Price)) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Requested Amount + Subject Property Remaining Lien Balance / Estimated Home Value |
Decision |
0-MAX |
Ratio of Requested Amount + the Subject Property Remaining Lien Balance to Estimated Home Value
((Requested Loan Amount + Subject Property Remaining Lien Balance) / Estimated Home Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Requested Amount – All Add-Ons / Vehicle Value |
Decision |
0-MAX |
Ratio of Requested Loan Amount (less all Add-Ons) to Vehicle Value
((Requested Loan Amount – All Add-Ons) / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Requested Amount – Fee & Paper Add-Ons / Sales Price |
Decision |
0-MAX |
Ratio of Requested Loan Amount (less Fee & Paper Add-Ons) to Sales Price
((Requested Loan Amount – Fee & Paper Add-Ons) / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Requested Amount – Fee & Paper Add-Ons / Vehicle Value |
Decision |
0-MAX |
Ratio of Requested Loan Amount (less Fee & Paper Add-Ons) to Vehicle Value
((Requested Loan Amount – Fee & Paper Add-Ons) / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Requested Amount – GAP Amount / Vehicle Value |
Decision |
0-MAX |
Ratio of Requested Loan Amount (less GAP Amount) to Vehicle Value
((Requested Loan Amount – GAP Amount) / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Requested Amount / Home Estimated Value |
Decision |
0-MAX |
Ratio of Requested Loan Amount to the Estimated Home Value
(Requested Loan Amount / Home Estimated Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Requested Amount – Paper Add-Ons / Vehicle Value |
Decision |
0-MAX |
Ratio of Requested Loan Amount (less Paper Add-Ons) to Vehicle Value
((Requested Loan Amount – Paper Add-Ons) / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Requested Amount / Vehicle Value or Sales Price (whichever is less) |
Decision |
0-MAX |
Ratio of Requested Loan Amount to lesser of Vehicle Value and Vehicle Sales Price
(Requested Loan Amount / (Min: Vehicle Value, Vehicle Sales Price)) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Requested Amount/Vehicle Value |
Decision |
0-MAX |
Ratio of Requested Loan Amount to Vehicle Value
(Requested Loan Amount / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
LTV: Sales Price/Vehicle Value |
Decision |
0-MAX |
Ratio of Vehicle Sales Price to Vehicle Value
(Vehicle Sales Price / Vehicle Value) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Major Derog Count |
Credit |
0-MAX |
Sum of the count for the following variables:
See each individual variable description. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Major Derog Count With Balance Over Threshold |
Credit |
0-MAX |
Number of Major Derogs where the Balance is greater than lender defined “Major derog balance threshold”
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Major Derog Total Balance |
Credit |
0-MAX |
Total Balance on: Collection Count, Public Record Count and Major Derog Count
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Maximum Term |
Decision |
0-MAX |
Per Decision Manager configurations, the maximum term that the decision engine can assign |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Member Type |
App Entry |
Member, Non-Member |
Member type as submitted in the application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
MLA Covered Borrower Status |
Credit |
Covered Borrower, Non Covered Borrower, Search Not Performed |
Military Lending Act (MLA) Covered Borrower Status
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Modified Loan Count |
Credit |
0-MAX |
Number of trades reported as “modified loan”
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Monthly Housing Payment - from app entry |
App Entry |
MIN, MAX |
Monthly mortgage/rent payment as stated on the application. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Monthly Housing Rental Payments – from Trades |
Credit |
0-MAX |
Total monthly payments from open housing rental trades that have been reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Monthly Mortgage Payments |
Credit |
0-MAX |
Total monthly payments of open mortgage trades reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Monthly Non-Mortgage Payments |
Credit |
0-MAX |
Total monthly payments of open and closed non-mortgage trades reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Monthly Other Income |
App Entry |
0-MAX |
Total monthly other income from application entry. Includes income from employment information section on application entry when employment status is "Unemployed". |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Monthly Payments Before New Loan Payment |
Decision |
0-MAX |
Monthly payments without the new loan payment (Monthly Non-Mortgage Payments + Monthly Rent/Mortgage Payments)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Monthly Payments With New Loan Pmt and Trade-In Pmt |
Decision |
0-MAX |
Monthly payments with the new loan payment and the trade-in payment included (Monthly Non-Mortgage Payments + Monthly Rent/Mortgage Payment + New Loan Payment)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Monthly Payments With New Loan Pmt minus Trade-In Pmt |
Decision |
0-MAX |
Monthly payments with the new loan payment included, minus the trade-in payment (Monthly Non-Mortgage Payments + Monthly Rent/Mortgage Payment + New Loan Payment – Trade-In Monthly Payment)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Monthly Rent/Mortgage Payments |
Decision |
0-MAX |
Depending on the Housing Type, Monthly Rent and/or Mortgage Payments may include payments from the application entry and/or mortgage payments from the credit report. When calculating the Applicant or Co-Applicant Rent/Mortgage Payments individually:
When calculating the combined Rent/Mortgage Payments:
Greater of (Owning Applicant’s Monthly Housing Payment from application entry and Owning Applicant’s Monthly Mortgage Payments from the credit report) plus Greater of (Non-Owning Applicant’s Monthly Housing Payment from application entry and Minimum Housing Expense) plus (Non-Owning Applicant’s Monthly Mortgage Payments from the credit report minus duplicates of Owning Applicant)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Monthly Unsecured Payments |
Credit |
0-MAX |
Total monthly payments of open and closed unsecured loans reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months at Current + Last Former Address |
Decision |
0-MAX |
Number of months at current address + number of months at last/most recent former address |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months at Current + Last Former Job |
Decision |
0-MAX |
Number of months at current job + number of months at last/most recent former job |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months at Current Address |
App Entry |
MIN, MAX |
Number of months at current address |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months at Current Job |
App Entry |
MIN, MAX |
Number of months at current employer
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months at Last Former Address |
App Entry |
0-MAX |
Number of months at the last former address
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months at Last Former Job |
App Entry |
0-MAX |
Number of months at the last former job
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months Since Credit Bureau Current Address First Reported |
Credit |
0-MAX |
Number of months since the current address on the credit report was first reported
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months Since Most Recent 30+ Delq/Derog Occurred – Excluding Public Records |
Credit |
0-MAX |
Number of months since the most recent 30+ day delinquency or derogatory remark occurred on a trade or collection
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months Since Most Recent Bankruptcy Action Filed |
Credit |
0-MAX |
Number of months since most recent bankruptcy action was filed
Example Rule: Refer if “Months Since Most Recent Bankruptcy Action is Less Than 24”
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months Since Most Recent Bankruptcy Discharge |
Credit |
0-MAX |
Number of months since the most recent bankruptcy discharge action was filed
Example Rule: Refer if “Months Since Most Recent Bankruptcy Action is Less Than 24”
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months Since Most Recent Bankruptcy Petition |
Credit |
0-MAX |
Number of months since the most recent bankruptcy petition was filed
Example Rule: Refer if “Months Since Most Recent Bankruptcy Action is Less Than 24”
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months Since Most Recent Major Derog Occurred – Excluding Public Records |
Credit |
0-MAX |
Number of months since the most recent major derog occurred on a trade or collection
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Months Since Most Recent Non-Mortgage Trade Opened |
Credit |
0-MAX |
Number of months since the most recent non-mortgage trade was opened
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Mortgage Trade Count where Balance > Original Amount |
Credit |
0-MAX |
Number of mortgage trades where the current balance is greater than the original loan amount |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Mortgage Trade Count where Balance >= Original Amount |
Credit |
0-MAX |
Number of mortgage trades where the current balance is greater than or equal to the original loan amount |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Multi-File Credit Report |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report has multiple files for a single consumer
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Net Trade-In |
App Entry |
MIN, MAX |
Trade-In value minus the amount owed on the vehicle. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Net Trade-In plus Cash Down |
App Entry |
MIN, MAX |
Trade-In value, plus cash down minus amount owed on vehicle. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Net Trade-In plus Cash Down plus Rebate |
App Entry |
MIN, MAX |
Trade-In value, plus cash down, plus rebate minus amount owed on vehicle. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
New Account Model 2.0 Score |
Credit |
400-925 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
New Account Model 3.0 Score |
Credit |
150-950 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
New Loan Payment |
Decision |
0-MAX |
Decision Manager system calculated new loan payment.
Amortization (this is the default method) ((Approved Loan Amount * (Approved Rate/12)) / (1 – (1 + PIR)^(-Approved Term)) PIR = Periodic Interest Rate (APR / # of periods per year)
Interest Only Max of:
Percent of Balance Max of:
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
New National Risk Score |
Credit |
0-1000 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
No Credit Record/Inquiry Only File |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report received is a “No Record” or contains nothing but Inquiries |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Now Delinquent Auto Trades |
Credit |
0-MAX |
Number of open and closed auto trades that are currently delinquent and have been reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Now Delinquent Auto Trades - Excluding Chg-Off/Repo/Coll |
Credit |
0-MAX |
Number of open and closed auto trades that are currently delinquent and are not in charge-off, repossession, or collection status, and have been reported in the last 6 months.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Now Delinquent Trade Count |
Credit |
0-MAX |
Number of open and closed trades and collections that are currently delinquent and have been reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Now DelinquentTrades - Excluding Chg-Off/Repo/Coll |
Credit |
0-MAX |
Number of open and closed trades that are currently delinquent and are not in charge-off, repossession, or collection status, and have been reported in the last 6 months.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Number of Charge-Offs Since BK Discharge |
Credit |
0-MAX |
Number of trades charged off after bankruptcy discharge
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Number of Trades with Possible Payment Accommodation |
Credit |
0-MAX |
Number of trades, excluding student loans, that have an indicator of possible payment accommodation, and have been reported in the last 6 months.
Credit Bureau codes that can indicate payment accommodation has been made:
Equifax Narrative Codes
Equifax Canada Narrative Codes
Experian Special Comment Codes
TransUnion Remark Codes
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Number of Active Trades with Outstanding Balance & Zero Monthly Payment |
Credit |
0-MAX |
Number of trades, excluding student loans, that are open or (closed and revolving/line of credit/open type), have an outstanding balance but the monthly payment is not reported and cannot be system calculated, and have been reported in the last 6 months.
Notes:
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Number of Unpaid Judgments |
Credit |
0-MAX |
Number of judgments that are not paid, satisfied, dismissed, or vacated |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Number of Unpaid Tax Liens |
Credit |
0-MAX |
Number of tax liens that are not paid/released |
|||||||||||||||||||||||||||||||||||||||||||||||||||
OFAC Hit |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report includes an OFAC Alert
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
OFAC Watch Response - FIS |
App Entry |
Error, Fail, Not Requested, Pass |
The OFAC Response received in the ChexSystems report
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Open Auto Trade Count |
Credit |
0-MAX |
Number of open auto loans or leases that have been reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Open Mortgage Trade Count |
Credit |
0-MAX |
Number of open mortgage trades |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Open Revolving Trades Opnd Last [xx] Months – Excluding Auth User Trds |
Credit |
0-MAX |
Number of open (available for use) revolving trades where months since opened is less than or equal to [xx] and ECOA is not authorized user
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Outstanding Student Loan Count |
Credit |
0-MAX |
Number of student loans where the balance is greater than 0
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Other Fees Amount |
App Entry |
0-MAX |
Other fees amount from deal structure on application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Payment to Income Ratio |
Decision |
0-MAX |
Ratio of New Loan Payment to Gross Monthly Income (New Loan Payment / Gross Monthly Income) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Payment Method |
App Entry |
ACH, Billing Notice, Cash, Coupon, Payroll, Transfer, NotGiven |
The payment method for the requested loan, as selected on application entry
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Percent Cash Down |
Decision |
0-MAX |
Percentage of Approved Loan Amount that is covered by Cash Down Amount
(Cash Down Amount / Approved Loan Amount) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Promotion Codes |
App Entry |
|
Promotion code(s) from application entry
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Public Record Count |
Credit |
0-MAX |
Number of public records items (i.e. Liens, Bankruptcies, Judgments) |
|||||||||||||||||||||||||||||||||||||||||||||||||||
QualiFile Score |
App Entry |
0-9999 |
The QualiFile Score received from ChexSystems
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
QualiFile Acceptance Text |
App Entry |
|
The QualiFile Acceptance Text received from ChexSystems
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Ratio of Approved Loan Amount to Gross Annual Income |
Decision |
0-MAX |
Ratio of Approved Loan Amount to Gross Annual Income
(Approved Loan Amount / Gross Annual Income) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Ratio of Approved Loan Amount to Gross Monthly Income |
Decision |
0-MAX |
Ratio of Approved Loan Amount to Gross Monthly Income (Approved Loan Amount / Gross Monthly Income) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Ratio of Approved Loan Amount to Requested Loan Amount |
Decision |
0-MAX |
Ratio of Approved Loan Amount to Requested Loan Amount
(Approved Loan Amount / Requested Loan Amount) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Ratio of CB Estimated Annual Income to Application Gross Annual Income |
Decision |
0-MAX |
Ratio of the Credit Bureau Estimated Annual Income (from an income predictor model) to the Gross Annual Income input on the application
((Income Predictor Score * 1000) / Gross Annual Income) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Ratio of Requested Loan Amount to Highest Original Secured Amount |
Decision |
0-MAX |
Ratio of Requested Loan Amount to Highest Original Secured Amount (Requested Loan Amount / Highest Original Secured Amount) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Ratio of Requested Loan Amount to Highest Original Unsecured Amount |
Decision |
0-MAX |
Ratio of Requested Loan Amount to Highest Original Unsecured Amount (Requested Loan Amount / Highest Original Unsecured Amount) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Ratio of Requested Loan Amount to Highest Original Vehicle Amount |
Decision |
0-MAX |
Ratio of Requested Loan Amount to Highest Original Vehicle Amount (Requested Loan Amount / Highest Original Vehicle Amount) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Ratio of Total Auto Balance to Gross Annual Income |
Decision |
0-MAX |
Ratio of Total Auto Balance to Gross Annual Income (Total Auto Balance / Gross Annual Income) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Ratio of Total Mortgage Balance to Gross Annual Income |
Decision |
0-MAX |
Ratio of Total Mortgage Balance to Gross Annual Income (Total Mortgage Balance / Gross Annual Income) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Ratio of Total Non-Mortgage Credit Opened Last 12 Mos to Gross Annual Income |
Decision |
0-MAX |
Ratio of Total Non-Mortgage Credit Opened Last 12 Mos to Gross Annual Income (Ratio of Total Non-Mortgage Credit Opened Last 12 Mos / Gross Annual Income) * 100, rounded to the nearest hundredth
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Rebate Amount |
App Entry |
0-MAX |
Rebate amount from deal structure on application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Registration Amount |
App Entry |
0-MAX |
Registration amount from deal structure on application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Request Type |
App Entry |
|
Request Type from selection on application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Requested Loan Amount |
App Entry |
MIN, MAX |
The requested loan amount (Sales Price) minus (Cash Down + Trade Allowance + Rebate + Dealer Fees) |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Requested Loan Amount Less Vehicle Value |
Decision |
MIN-MAX |
Requested Loan Amount minus Vehicle Value
(Requested Loan Amount – Vehicle Value)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Requested Term |
App Entry |
MIN, MAX |
Requested term |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Revolving Ratio |
Credit |
0-MAX |
Ratio of the total revolving balance to the total revolving credit limit for trades that are open and have been reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Revolving Trade Count |
Credit |
0-MAX |
Number of open and closed revolving trades
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Revolving Trade Count - Open/Rptd Last 6 Mos |
Credit |
0-MAX |
Number of open revolving trades reported in the last 6 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Salvage Vehicle |
App Entry |
TRUE, FALSE |
Per selection on application entry, indicates if the requested loan is for a salvage vehicle |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Satisfactory Auto Trade Count |
Credit |
0-MAX |
Number of open and closed auto trades that have always been paid as agreed |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Satisfactory Trade Count |
Credit |
0-MAX |
Number of open and closed trades that have always been paid as agreed
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Satisfactory Trade Count – Excluding Authorized User Trades |
Credit |
0-MAX |
Number of open and closed trades that have always been paid as agreed and are not reported as authorized user
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
ScorexPLUS 2 Score |
Credit |
300-900 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Scorex PLUS Score |
Credit |
300-900 |
Consumer’s credit score for this Experian risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Seller Code |
App Entry |
|
Code assigned to the dealer by CU Direct |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Seller County |
App Entry |
|
County of the dealer where application was initiated |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Seller Group ID |
App Entry |
|
Assigned to the Seller Group by Credit Union |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Seller Region |
App Entry |
|
Region assigned to the dealer by CU Direct |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Seller State |
App Entry |
States |
State dealer is doing business in |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Seller State-Region |
App Entry |
MIN, MAX |
State/Region dealer is doing business in |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Seller Type |
App Entry |
Broker, CU Branch, Franchise, Independent, Medical Seller, MLT Only, Retail Seller |
Identifies the dealer type |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Seller Postal Code |
App Entry |
MIN, MAX |
Dealer postal code |
|||||||||||||||||||||||||||||||||||||||||||||||||||
SmartScore 2.0 – Odds Score |
Credit |
280-850 |
Consumer’s credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
SmartScore 2.0 – Probability Score |
Credit |
1-999 |
Consumer’s credit score for this Equifax risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Source Platform |
App Entry |
See Description |
Program used to submit the application
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Special Program |
App Entry |
|
Special program option selected on application entry. Special program options are defined by the lender. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
SSN is ITIN |
Decision |
TRUE, FALSE |
The inquiry or credit file SSN is an Individual Taxpayer Identification Number (ITIN). This is a tax processing number only available for certain nonresident and resident aliens, their spouses, and dependents that cannot get a SSN. It is a 9-digit number, beginning with the number "9". |
|||||||||||||||||||||||||||||||||||||||||||||||||||
SSN Mismatch Alert |
Credit |
TRUE, FALSE |
True if the inquiry SSN does not match the credit report SSN |
|||||||||||||||||||||||||||||||||||||||||||||||||||
SSN Verification Alert |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report includes an alert indicating a possible discrepancy with the social security number in the inquiry or on the credit report. Verification of the SSN is recommended. Use of this variable requires the applicable product be active at the credit bureau. With the product active, the following alerts will cause SSN Verification Alert to be TRUE: Equifax – Identity Scan A – Inquiry SSN has never been issued or was issued after June 2011 B – Inquiry SSN has been reported misused - thorough investigation suggested I – Inquiry SSN is issued to person who has been reported deceased M – Inquiry SSN issued within the last 5 years O – Inquiry social security number issued prior to inquiry date of birth 4 – Inquiry SSN Possible individual taxpayer identification number Q – Inquiry SSN reported as deceased and last name does not match 9 – Inquiry SSN is invalid |
|||||||||||||||||||||||||||||||||||||||||||||||||||
SSN Verification Alert |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report includes an alert indicating a possible discrepancy with the social security number in the inquiry or on the credit report. Verification of the SSN is recommended. Use of this variable requires the applicable product be active at the credit bureau. With the product active, the following alerts will cause SSN Verification Alert to be TRUE: Equifax Canada - Safescan 2 - Inquiry SIN has been associated with more than one name or address 3 - Inquiry SIN reported retired 5 - Inquiry SIN reported misused 6 - Address has been associated with more than one name or SIN F - Inquiry SIN has been reported lost or stolen I - Inquiry SIN reported misused--confirmed true name fraud N - Inquiry SIN is invalid Q - Inquiry SIN has not yet been issued X - SIN resides on another file Credit File Warning 1 – Invalid SIN |
|||||||||||||||||||||||||||||||||||||||||||||||||||
SSN Verification Alert |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report includes an alert indicating a possible discrepancy with the social security number in the inquiry or on the credit report. Verification of the SSN is recommended. Use of this variable requires the applicable product be active at the credit bureau. With the product active, the following alerts will cause SSN Verification Alert to be TRUE: Experian – Fraud Shield 04 – Inquiry SSN issue date cannot be verified 05 – Inquiry SSN reported as deceased 06 – Inquiry Age Younger than SSN issue date 08 – Credit Established prior to inquiry SSN issue date 13 – High probability inquiry SSN belongs to another 14 – Inquiry SSN format is invalid 25 – Best onfile SSN recorded as deceased 26 – Best onfile SSN cannot be verified 27 – Inquiry SSN reported more frequently for another Record Type 02 – Retired Social |
|||||||||||||||||||||||||||||||||||||||||||||||||||
SSN Verification Alert |
Credit |
TRUE, FALSE |
Set to TRUE when the credit report includes an alert indicating a possible discrepancy with the social security number in the inquiry or on the credit report. Verification of the SSN is recommended. Use of this variable requires the applicable product be active at the credit bureau. With the product active, the following alerts will cause SSN Verification Alert to be TRUE: TransUnion – High Risk Fraud Alert 3001 – Input/file SSN reported as suspicious or minor SSN (less than 17 years of age) 3003 – Input/file SSN reported misused and requires further investigation 3501 – Input/file SSN reported used in true-name fraud or credit fraud 4001 – Input/file SSN reported deceased 4501 – Input/file SSN likely not issued prior to June 2011 5502 – Input/file SSN associated with additional subjects not displayed/returned) 6000 – Input/file SSN used in death benefits claim |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Subject Property Occupancy Type |
App Entry |
Investment Property (Rental), Primary Residence, Vacation Home |
Subject Property Occupancy Type from application entry
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Subject Property Remaining Lien Balance |
App Entry |
0-MAX |
Subject Property Remaining Lien Balance is calculated as the total amount from application entry of Subject Property > Outstanding Liens > Balance, where Payoff is not checked |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Subject Property Type |
App Entry |
2-4 Units, Condo, Duplex, Manufactured, PUD, Single Family Residency, Townhome, Triplex |
Subject Property Type from application entry
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Submitted By Organization Type |
App Entry |
Lender, Seller |
Identifies the organization type (Lender or Seller) that submitted the loan |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Submitted To Lender Code |
App Entry |
|
CU Direct assigned code for the “submitted to” lender |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Surname Mismatch Alert |
Credit |
TRUE, FALSE |
Surname Mismatch Alert is a True/False variable. The variable is calculated by comparing the surname used in the credit inquiry to the surname on the credit report. If the surnames do not match, then Surname Mismatch Alert is True. Otherwise, the variable is False.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Suffix |
App Entry |
|
Suffix to applicant’s name: I, II, Sr., Jr. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Synthetic ID Fraud Score |
Credit |
10-1000 |
Consumer’s credit score for this TransUnion risk model
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Tax Amount |
App Entry |
0-MAX |
Tax amount from deal structure on application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Theft Deterrent Amount |
App Entry |
0-MAX |
Theft deterrent amount from deal structure on application entry |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Amount of Unpaid Judgments Filed Last [xx] Mos |
Credit |
0-MAX |
Total dollar amount of unpaid judgments where months since filed is less than or equal to [xx]
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Amount of Unpaid Liens Filed Last [xx] Mos |
Credit |
0-MAX |
Total dollar amount of unpaid liens where months since filed is less than or equal to [xx]
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Auto Balance |
Credit |
0-MAX |
Total balance of open and closed auto loans and leases |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Balance of Medical Collections/Charge-Offs |
Credit |
0-MAX |
Total balance of medical collections and medical trades that are in charge-off or collection status |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Balance of Medical Collections/Charge-Offs in Last [xx] Mos |
Credit |
0-MAX |
Total balance of medical collections and medical trades reported as collection/charge-off in the last [xx] months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Balance of Non-Medical Collections/Charge-Offs |
Credit |
0-MAX |
Total balance of collections and trades that are in charge-off or collection status
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Balance of Non-Medical Collections/Charge-Offs in Last [xx] Mos |
Credit |
0-MAX |
Total balance of non-medical collections and trades reported as collection/charge-off in the last [xx] months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Credit |
Credit |
0-MAX |
Total amount of extended credit
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Credit + Requested Loan Amount |
Credit |
0-MAX |
Total amount of extended credit + the requested loan amount
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Installment Balance |
Credit |
0-MAX |
Total balance of open and closed installment trades
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Mortgage Balance |
Credit |
0-MAX |
Total balance of open and closed mortgage trades |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Non-Mortgage Credit Opened Last 12 Mos |
Credit |
0-MAX |
Total amount of extended non-mortgage credit opened in the last 12 months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Revolving Balance |
Credit |
0-MAX |
Total balance of open and closed revolving trades, including home equity lines of credit |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Revolving Balance – Excluding HELOCs |
Credit |
0-MAX |
Total balance of open and closed revolving trades that are not home equity lines of credit |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Revolving Balance – Excluding HELOCs and Student Loans |
Credit |
0-MAX |
Total balance of open and closed revolving trades
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Student Loan Balance |
Credit |
0-MAX |
Total balance of all student loans
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Unused Approved Loan Amount |
App Entry |
0-MAX |
Total approved, but unused loan amount, from unexpired, non-funded applications for similar types of loans for this applicant and co-applicant
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Unsecured Balance |
Credit |
0-MAX |
Total balance of open and closed unsecured loans
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Unsecured Balance - Excluding Charge-Offs & Auth User Accounts |
Credit |
0-MAX |
Total balance of open and closed unsecured loans reported in the last 6 months – excluding those that are in charge-off status, or ECOA is authorized user.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Unsecured Balance - Excluding Chg-Offs/Auth User/Student Lns |
Credit |
0-MAX |
Total balance of open and closed unsecured loans reported in the last 6 months – excluding those that are in charge-off status, or ECOA is authorized user, or the account is a student loan.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Total Unsecured Balance (Excluding Chg-Offs/Auth User/Student Lns) + Requested Loan Amount |
Decision |
0-MAX |
Total balance of open and closed unsecured loans reported in the last 6 months (excluding those that are in charge-off status, or ECOA is authorized user, or the account is a student loan) plus the requested loan amount
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trade Count |
Credit |
0-MAX |
Number of open and closed trades
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trade Count of Applicant with Highest Income |
Decision |
0-MAX |
The number of open and closed trades where the consumer is liable for payment, from the applicant with the highest income
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trade-In Included |
App Entry |
TRUE, FALSE |
True/False flag to indicate if a trade-in is included on the application
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trade-in Monthly Payment |
App Entry |
MIN, MAX |
Trade-in payment amount |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trades 30 Days Past Due in Last [x] Mos |
Credit |
0-MAX |
Number of trades that have been 30 days past due in the last [xx] months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trades 60 Days Past Due in Last [x] Mos |
Credit |
0-MAX |
Number of trades that have been 60 days past due in the last [xx] months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trades 90 Days Past Due in Last [x] Mos |
Credit |
0-MAX |
Number of trades that have been 90 days past due in the last [xx] months
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trades Ever 30+ Days Past Due |
Credit |
0-MAX |
Number of trades ever 30+ days delinquent
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trades Ever 60+ Days Past Due |
Credit |
0-MAX |
Number of trades ever 60+ days delinquent
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trades Opened Last 12 Months |
Credit |
0-MAX |
Count of all trades opened in the last 12 months |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trades Opened Last 18 Months |
Credit |
0-MAX |
Count of all trades opened in the last 18 months |
|||||||||||||||||||||||||||||||||||||||||||||||||||
Trades Opened Last 24 Months |
Credit |
0-MAX |
Count of all trades opened in the last 24 months |
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Trades Opened Last 3 Months |
Credit |
0-MAX |
Count of all trades opened in the last 3 months |
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Trades Opened Last 36 Months |
Credit |
0-MAX |
Count of all trades opened in the last 36 months |
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Trades Opened Last 48 Months |
Credit |
0-MAX |
Count of all trades opened in the last 48 months |
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Trades Opened Last 6 Months |
Credit |
0-MAX |
Count of all trades opened in the last 6 months |
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Trades Opened Last 9 Months |
Credit |
0-MAX |
Count of all trades opened in the last 9 months |
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Trades w/Any Delq in Last xx Mos |
Credit |
0-MAX |
Number of trades with any delinquency occurring in the last [xx] months
|
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Trades where Max Delq in Last [xx] Mos is Major Derog |
Credit |
0-MAX |
Number of trades where the maximum delinquency that occurred in the last [xx] months is a major derog
|
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Trades where Max Delq in Last xx Mos is Minor Derog |
Credit |
0-MAX |
Number of trades where the maximum delinquency that occurred in the last [xx] months is a minor derog
|
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Trades/Collections Managed by Debt Counseling Service |
Credit |
0-MAX |
Number of trades and collections where payments are managed through a debt counseling service |
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Transaction Type |
App Entry |
See Description |
Transaction Type as received from application entry
|
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TransUnion ARM Alert Hit |
Credit |
TRUE, FALSE |
Adjustable Rate Mortgage Alert is a TransUnion product
|
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TransUnion Auto Score |
Credit |
292-890 |
Consumer’s credit score for this TransUnion risk model
|
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TransUnion VantageScore V1 |
Credit |
501-990 |
Consumer’s credit score for this TransUnion risk model
|
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TransUnion VantageScore V2 |
Credit |
501-990 |
Consumer’s credit score for this TransUnion risk model
|
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TransUnion VantageScore V3 |
Credit |
300-850 |
Consumer’s credit score for this TransUnion risk model
|
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TransUnion VantageScore V4 |
Credit |
300-850 |
Consumer’s credit score for this TransUnion risk model
|
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Undischarged Bankruptcy Count |
Credit |
0-MAX |
Number of undischarged bankruptcies
|
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UTI: Monthly Unsecured Payments / Gross Annual Income |
Decision |
0-MAX |
Ratio of total monthly unsecured payments to gross annual income (Monthly Unsecured Payments / Gross Annual Income) * 100, rounded to the nearest hundredth
|
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UTI: Monthly Unsecured Payments / Gross Monthly Income |
Decision |
0-MAX |
Ratio of total monthly unsecured payments to gross monthly income (Monthly Unsecured Payments / Gross Monthly Income) * 100, rounded to the nearest hundredth
|
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UTI: Total Unsecured Balance / Gross Annual Income |
Decision |
0-MAX |
Ratio of total unsecured balance to gross annual income (Total Unsecured Balance / Gross Annual Income) * 100, rounded to the nearest hundredth
|
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UTI: Total Unsecured Balance - Excluding Charge-Offs & Auth User Accounts / Gross Annual Income |
Decision |
0-MAX |
Ratio of total unsecured balance - excluding charge-offs and authorized user accounts, to gross annual income (Total Unsecured Balance - Excluding Charge-Offs & Auth User Accounts/Gross Annual Income) * 100, rounded to the nearest hundredth
|
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UTI: Total Unsecured Balance (Excluding Chg-Offs/Auth User/Student Lns) + Requested Loan Amount / Gross Annual Income |
Decision |
0-MAX |
Ratio of total unsecured balance (excluding chg-offs/auth user/student lns) + requested loan amount, to gross annual income (Total Unsecured Balance–Excluding Chg-Offs/Auth User/Student Lns + Requested Loan Amount / Gross Annual Income) * 100, rounded to the nearest hundredth
|
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Valuation Type |
App Entry |
MSRP, Invoice Price, Black Book Retail, Black Book Trade, Black Book Wholesale, Blue Book Retail, Blue Book Trade, Blue Book Wholesale, NADA Retail, NADA Trade, NADA Wholesale, None |
Vehicle Valuation Type as received from the application entry system. Configuration of allowable valuation types is setup in the application entry system. |
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Vehicle Age (Yrs) |
App Entry |
MIN, MAX |
The age of the vehicle in years as determined by subtracting the vehicle year from current calendar year. Example: If the current year is 2009 and the Vehicle Year is 2008, the vehicle age is one (1). Any negative result is considered zero (0) years old. |
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Vehicle Condition |
App Entry |
NEW, USED |
The condition of the vehicle – New (never registered) or Used (previously registered) – as entered by the seller. |
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Vehicle Make |
App Entry |
|
Make of the vehicle |
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Vehicle Mileage |
App Entry |
MIN, MAX |
Mileage of the vehicle |
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Vehicle Model |
App Entry |
|
Model of the vehicle |
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Vehicle Sales Price |
App Entry |
MIN, MAX |
The sum the primary collateral purchase price and total additional collateral purchase price. Vehicle Sales Price represents the full price of the collateral securing the loan.
(Primary Collateral Purchase Price + Total Additional Collateral Purchase Price) |
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Vehicle Sales Price Less Vehicle Value |
Decision |
MIN-MAX |
Vehicle Sales Price minus Vehicle Value
(Vehicle Sales Price – Vehicle Value)
|
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Vehicle Type |
App Entry |
Auto, ATV, Aircraft, Boat, Farm Vehicle, Personal Watercraft, Mobility Vehicle, Motorcycle, RV, Snowmobile |
Type of vehicle |
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Vehicle Value |
App Entry |
MIN, MAX |
Input value of the primary collateral and any additional collateral(s)
(Primary Collateral Value + Total Additional Collateral Value) |
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Vehicle Year |
App Entry |
MIN, MAX |
Year of vehicle |
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Warranty Accepted |
App Entry |
TRUE, FALSE |
Set to TRUE when a warranty policy has been accepted per the additional product status in the Lending 360 Payment Calculator
|
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Warranty Amount |
App Entry |
0-MAX |
Warranty amount from deal structure on application entry |
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Page url: https://decision.cudl.com/help/index.html?variables.htm
