Credit Risk Attributes
Use the /GetCreditRiskAttributes endpoint if you need a high-level overview of your users basic income sources and credit risk measures.
This is a primary basic use-case of Attributes and is often utilized by organizations that need to conduct a high-level risk analysis of their users. It contains all basic Attributes needed to view your users overall Financial Information, Employment Income sources, Non-Employment Income sources, Loan Payments, Bill Payments and Additional Risk Analysis measures - this is often used in manual processes. Please find a breakdown of the Attributes contained within this use-case below.
Account Overview
- Minimum Balance Detected (Last 90 Days)
- Days with a Negative Balance
- Average Monthly Free Cash Flow
- Balance Trend
Employer Income Overview
- Employer Name
- Average Monthly Employer Income
- Employer Income Trend
- Sum of Employer Income (Per Month, last 12 months - 13 Attributes) *
- Count of Employer Income (Per Month, last 12 months - 13 Attributes) *
Non-Employer Income Overview
- Average Monthly Non-Employer Income
- Average Monthly Government Income
- Total Deposits Trend
Loan Payments Breakdown
- Average Monthly Auto-Loan Payments
- Average Monthly Mortgage Payments
- Average Monthly Micro-Loan Payments
- Average Monthly Student Loan Payments
- Average Monthly Other Loan Payments
Committed Bill Payments Breakdown
- Average Monthly Utility Payments
- Average Monthly Telecom Payments
Additional Risk Analysis
- Count of NSF Fees (Last 90 Days) *
- Count of Stop-Payment Fees (Last 90 Days) *
- Average Monthly Micro-Loan Payments
- Micro-Lender Name
- Average Monthly Expenditure
- Account Age in Days
Updated 12 days ago