Servicing data

daily servicing report cross river requires that a cards issuer, or the servicer used by the cards issuer, to provide daily all servicing events the servicing report contains a record for every credit card every day it is a snapshot of each credit card the headers are the same as those listed in the data dictionary the table below is the reference information for servicing file conventions file format csv file transport mechanism sftp (ssh; supported public key algorithms rsa, sha2 521, sha2 384, sha 256) file name platform servicingtape yyyymmdd csv, where yyyymmdd is the date of file generation platofrm please check with the data team dataengineers\@crossriver com mailto\ dataengineers\@crossriver com for the value to to be used in the filename file location \prod\cards\cardservicingtapes\platform servicingtape yyyymmdd csv report date should match the date of the filename report data should be from the day prior to the report date dictionary updates attributes action date introducing v1 0 added may 29, 2026 servicing tape standard v1 fieldname data type description servicer string name of servicer borrower information report date date snap shot date +1 platform string client company name account id string unique identifier for the credit card account card type string master,visa,discover, amex cash back reward string yes/no original credit limit decimal(13,2) maximum credit line authorized current credit limit decimal(13,2) maximum credit line authorized currently last credit limit change date date date of last credit limit change available credit decimal(13,2) remaining credit available (limit minus balance) credit utilization ratio decimal(1,5) e g 0 94567 percentage of credit limit currently used cash advance balance decimal(13,2) outstanding cash advance amount purchase balance decimal(13,2) outstanding purchase amount balance transfer amount decimal(13,2) outstanding balance from transfers promotional balance decimal(13,2) balance under a promotional rate (e g , 0% apr) promotional months integer promotional period in month cycle date date billing cycle close date account open date date date the account was opened account status string card status active, not activated, closed, frozen, inactive, dormant, etc current owner string which investor owns the account currently prior owner string which investor owned the account before the current owner current fico integer most recent credit score on file (if credit score gets updated quarterly, we want to see that score) current vantage integer most recent credit score on file (if credit score gets updated quarterly, we want to see that score) fico score update date date date of score updated vantage score update date date date of score updated borrower payments and accruals current balance decimal(13,2) outstanding principal balance at time of reporting statement balance decimal(13,2) balance as of the last statement date last statement date date last statement date minimum payment due minimum required monthly payment next payment due date date by which payment must be received last payment amount decimal(13,2) amount of the most recent payment last payment received date date last payment received date (not due date) total payment decimal(13,2) the total amount of payments towards card total payment ltd decimal(13,2) ltd amount of payments towards card interest payment decimal(13,2) periodic (within a payment cycle) interest payment ltd decimal(13,2) ltd interest payments purchase payment decimal(13,2) the payment towards reducing purchase balances purchase payment ltd decimal(13,2) ltd payments towards purchase balances fee payment decimal(13,2) periodic (within a payment cycle) fee payment ltd decimal(13,2) ltd fee payments payment method string ach, check, online, auto pay, phone, etc amount past due decimal(13,2) total overdue amount, if any over limit amount decimal(13,2) amount exceeding credit limit (if applicable) accrued interest decimal(13,2) interest accrued since on boarding or last date paid delinquency data delinquency status string current, delinquent, charged off, paid/closed/bk/deceased/debt sale/fraud, settlement in process, settlement closed grace period integer number of days before interest accrues on new purchases revolving status string less than minimum, minimum, statement balance, partial, overpay days past due integer number of days the account is past due charged off date date date the account was charged off (roll forward in daily report) charged off amount decimal(13,2) balance at time of charge off collections status string whether the account has been sent to collections collection agency id string identifier for the assigned collection entity modification modification type string rate reduction, payment plan, settlement, deferred payment (forbearance/hardship), any collection program, etc modification start date date date the modification is implemented modification end date date date the modification is end modification status string active, completed, cancelled, not completed modification apr decimal(13,4) e g 0 2378 interest rate for modification deferred months integer duration of the modification agreement hardship program indicator string whether enrolled in issuer's hardship program modification reason code string job loss, medical, disaster, military, etc settlement amount decimal(13,2) agreed upon payoff amount (if applicable) settlement date date date settlement was agreed or completed debt management plan indicator string whether enrolled via credit counseling agency scra 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 ) scra start date date scra start date scra end date date scra end date interest & fee data introductory apr decimal(13,4) e g 0 2378 promotional rate introductory apr expiration date date promotional rate expiration date purchase apr decimal(13,4) e g 0 2378 current interest rate on purchases cash advance apr decimal(13,4) e g 0 2378 interest rate on cash advances balance transfer apr decimal(13,4) e g 0 2378 interest rate on balance transfers penalty apr decimal(13,4) e g 0 2378 rate applied after delinquency triggers interest assessed (monthly) decimal(13,2) total interest assessed in current period fees assessed (monthly) decimal(13,2) late fees, over limit fees, annual fees, etc late fee assessed decimal(13,2) fee for missed payment over limit fee assessed decimal(13,2) fee for exceeding credit limit foreign transaction fee assessed decimal(13,2) fee for international purchases balance transfer fee assessed decimal(13,2) fee for transferring a balance nsf fee assessed decimal(13,2) fee for a payment was returned (nsf) current annual fee assessed decimal(13,2) yearly fee for the card reward rewards program type string points, miles, cash back cash reward balance ltd decimal(13,2) ltd $ rewards points balance ltd decimal(13,2) points ltd # integer rewards miles balance ltd decimal(13,2) miles ltd # redemption cash reward balance ltd decimal(13,2) redemptions ltd $ redemption rewards points balance ltd decimal(13,2) redemptions ltd # redemption rewards miles balance ltd decimal(13,2) redemptions ltd # risk & fraud/bk/deceased/dispute fraud string yes/no flag for suspicious activity fraud status string confirmed, suspicious, not resolved, cleared dispute status string open, resolved, denied dispute flag string whether the transaction has been disputed dispute amount decimal(13,2) dispute amount bankruptcy string yes/no bankruptcy filing date date bankruptcy filing date bankruptcy chapter string 11 or 7 or 13 deceased string yes/no deceased date date deceased date extrafileds json any info not covered above debt sold flag string debt sold date date receivable sold date date receivables sold decimal (13,2) receivables sold to trusts/investors card expiration date date date of card expiration account closure reason string why the account was closed (voluntary, involuntary, fraud, etc ) account closure date date date of account closed