Delinquency History Table


The Delinquency History Table is one of the calculated reports in a loan. It shows a history of all delinquencies on an account. This makes it possible to see the number of unique delinquencies for a loan and the date of first delinquency for the current delinquency. Remember that this is a calculated report, not a historical snapshot report. That means that if you try to cross reference the date of first delinquency with the historical loan archive, it may not match up since the historical loan archive is a daily snapshot. This means transactions could have been posted after their apply dates, which would cause them to affect the delinquency table, but not the loan archive.

It is also important to note that delinquencies are defined as the number of times a borrower has become more than 30 days past due on an account.

How To

To use the delinquency history table, navigate to Reports > Calculated > Delinquency History Table inside of any loan.

At the top of this section, you can find the following:

  • Unique Delinquencies - This number shows how many times the loan has been more than 30 days past due. A unique delinquency is a period when the loan is delinquent, surrounded by periods when the loan is not. If the loan is continuously delinquent, that is only one unique delinquency. If the loan comes current and then becomes delinquent again, there will be another unique delinquency.
  • Delinquent Days - This is the total number of days the loan has been delinquent.
  • Delinquency Percent - This is the percentage of days during which the loan has existed, that it has been delinquent.
  • Date Of First Delinquency - This is the date the account first became delinquent for the most recent unique delinquency.
  • 24 Month Payment History - This shows the delinquency code on the current day of the month, for each of the past 24 months, starting with the most recent month.
  • Past Due Summary - This shows a summary of the 24 month payment history. Each column shows the number of times (in terms of months) that the loan was delinquent past a certain number of days. The top row gives the number of days, and the bottom row the number of times the loan reached that level of delinquency. For instance, in the example photo it shows 90 in the top row and 2 beneath it; this means that in the past 24 months, the borrower was over 90 days past due on two separate occasions.

In the delinquency history table, each row in the table represents of month of the year. Each column represents a day of the month. A code is displayed, for each day a loan has existed, based on the loan delinquency. The available codes include:

  • E - Zero Balance & Current Account – On this day, the account was less than 30 days past due and had a principal balance of $0.00.
  • 0 - Current Account – On this day, the loan was less than 30 days past due.
  • 1- 30 – 60 DPD – On this day, the loan was between 31 and 60 days past due.
  • 2 - 61 – 90 DPD – On this day, the loan was between 61 and 90 days past due.
  • 3 - 91 – 120 DPD – On this day, the loan was between 91 and 120 days past due.
  • 4 - 121 – 150 DPD – On this day, the loan was between 121 and 150 days past due.
  • 5 - 151 – 180 DPD – On this day, the loan was between 151 and 180 days past due.
  • 6 - 181 + DPD – On this day, the loan was more than 180 days past due.

By default, this report will display delinquency information for the last 24 months.  Use the drop-down at the top right of the report to display delinquency information only for the current year, past years, or all time.

A red line is shown on either side of the column for the current date this helps you easily see the delinquency code for today and for this day of past months.

You can export this report using the  drop-down.

Note: In order for information to be displayed in the Delinquency History Table section, the loan must be activated.

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