Servicing data

String

Name of Servicer

Date

Snap shot date +1

String

Client company name

String

Unique identifier for the credit card account

String

Master,Visa,Discover, AMEX

String

Yes/No

Decimal(13,2)

Maximum credit line authorized

Decimal(13,2)

Maximum credit line authorized currently

Date

Date of Last Credit Limit Change

Decimal(13,2)

Remaining credit available (limit minus balance)

Decimal(1,5) e.g. 0.94567

Percentage of credit limit currently used

Decimal(13,2)

Outstanding cash advance amount

Decimal(13,2)

Outstanding purchase amount

Decimal(13,2)

Outstanding balance from transfers

Decimal(13,2)

Balance under a promotional rate (e.g., 0% APR)

integer

Promotional period in month

Date

Billing cycle close date

Date

Date the account was opened

String

Card status: Active, not activated, closed, frozen, inactive, dormant, etc.

String

Which investor owns the account currently

String

Which investor owned the account before the current owner

integer

Most recent credit score on file (IF credit score gets updated quarterly, we want to see that score)

integer

Most recent credit score on file (IF credit score gets updated quarterly, we want to see that score)

Date

Date of Score updated

Date

Date of Score updated

Decimal(13,2)

Outstanding Principal balance at time of reporting

Decimal(13,2)

Balance as of the last statement date

Date

Last Statement Date

Minimum required monthly payment

Date by which payment must be received

Decimal(13,2)

Amount of the most recent payment

Date

Last Payment Received Date (not due date)

Decimal(13,2)

The total amount of payments towards card

Decimal(13,2)

LTD amount of payments towards card

Decimal(13,2)

Periodic (within a payment cycle)

Decimal(13,2)

LTD interest payments

Decimal(13,2)

The payment towards reducing purchase balances 

Decimal(13,2)

LTD payments towards purchase balances

Decimal(13,2)

Periodic (within a payment cycle)

Decimal(13,2)

LTD fee payments

String

ACH, check, online, auto-pay, phone, etc.

Decimal(13,2)

Total overdue amount, if any

Decimal(13,2)

Amount exceeding credit limit (if applicable)

Decimal(13,2)

Interest accrued since on boarding or last date paid

String

Current, delinquent, charged-off, paid/closed/BK/Deceased/debt sale/Fraud, Settlement in Process, settlement closed

integer

Number of days before interest accrues on new purchases

String

Less than minimum, Minimum, statement balance, Partial, overpay

integer

Number of days the account is past due

Date

Date the account was charged off (roll forward in daily report)

Decimal(13,2)

Balance at time of charge-off

String

Whether the account has been sent to collections

String

Identifier for the assigned collection entity

String

Rate reduction, payment plan, settlement, Deferred Payment (forbearance/Hardship), any collection program, etc.

Date

Date the modification is implemented

Date

Date the modification is end

String

Active, completed, cancelled, not completed

Decimal(13,4) E.g. 0.2378

Interest rate for modification

integer

Duration of the modification agreement

String

Whether enrolled in issuer's hardship program

String

Job loss, medical, disaster, military, etc.

Decimal(13,2)

Agreed-upon payoff amount (if applicable)

Date

Date settlement was agreed or completed

String

Whether enrolled via credit counseling agency

String

Y/N  Servicemembers Civil Relief Act, a U.S. federal law that provides a wide range of legal and financial protections to individuals entering, called to, or serving on active duty in the military. Limits interest rates to 6% on debts incurred before active duty (credit cards, mortgages, auto loans, etc.)

Date

SCRA start date

Date

SCRA End Date

Decimal(13,4) E.g. 0.2378

Promotional rate

Date

Promotional rate expiration date

Decimal(13,4) E.g. 0.2378

Current interest rate on purchases

Decimal(13,4) E.g. 0.2378

Interest rate on cash advances

Decimal(13,4) E.g. 0.2378

Interest rate on balance transfers

Decimal(13,4) E.g. 0.2378

Rate applied after delinquency triggers

Decimal(13,2)

Total interest assessed in current period

Decimal(13,2)

Late fees, over-limit fees, annual fees, etc.

Decimal(13,2)

Fee for missed payment

Decimal(13,2)

Fee for exceeding credit limit

Decimal(13,2)

Fee for international purchases

Decimal(13,2)

Fee for transferring a balance

Decimal(13,2)

Fee for a payment was returned (NSF)

Decimal(13,2)

Yearly fee for the card

String

Points, Miles, Cash Back

Decimal(13,2)

LTD $

Decimal(13,2)

Points LTD # Integer

Decimal(13,2)

Miles LTD #

Decimal(13,2)

Redemptions LTD $

Decimal(13,2)

Redemptions LTD #

Decimal(13,2)

Redemptions LTD #

String

Yes/No Flag for suspicious activity

String

Confirmed, Suspicious, Not resolved, Cleared

String

Open, Resolved, Denied 

String

Whether the transaction has been disputed

Decimal(13,2)

Dispute Amount

String

Yes/no

Date

Bankruptcy filing date

String

11 or 7 or 13

String

Yes/no

Date

Deceased Date

JSON

Any info not covered above. 

String

Date

Date

Decimal (13,2)

Receivables sold to trusts/investors

Date

Date of card expiration

String

Why the account was closed (voluntary, involuntary, fraud, etc.)

Date