Delinquency history table
Review delinquency history, first delinquency dates, and dynamic account updates.
Delinquencies occur when a borrower is more than 30 days past due on an account. The ‘Delinquency History Table’ allows you to view the number of unique delinquencies for a specific loan, as well as the date of first delinquency for the current delinquency. This report is dynamic, meaning that transactions posted after their apply dates will affect the data, unlike a static daily snapshot. As a result, you may notice differences between these two types of reports.
To use the table, navigate to Reports > Calculated > Delinquency History Table inside of any loan.
This table provides several key pieces of information:
- Unique delinquencies: The number of times the loan has been more than 30 days past due. A unique delinquency refers to any period when the loan is delinquent, separated by periods when the loan is current. Continuous delinquency is counted as one unique delinquency.
- Delinquent days: Total number of days the loan has been delinquent.
- Delinquency percent: Percentage of days during which the loan has existed, that it has been delinquent.
- Date of first delinquency: Date the account first became delinquent for the most recent unique delinquency period.
- 24 month payment history: 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: 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.
In the delinquency history table, each row in the table represents a 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:
| Code | Name | Description |
| E | Zero Balance & Current Account | Less than 30 days past due and has a principal balance of $0.00. |
| 0 | Current Account | Less than 30 days past due. |
| 1 | 30-60 DPD | Between 31 and 60 days past due. |
| 2 | 61-90 DPD | Between 61 and 90 days past due. |
| 3 | 91-120 DPD | Between 91 and 120 days past due. |
| 4 | 121-150 DPD | Between 121 and 150 days past due. |
| 5 | 151-180 DPD | Between 151 and 180 days past due. |
| 6 | 181+ DPD | More than 180 days past due. |
By default, this report will display delinquency information for the last 24 months. You can adjust the date range using the dropdown at the top right of the report to view data for the current year, past years, or all time. To export this report, click the ‘Data Options’ button to the right of the dropdown.
A red line is shown on either side of the column for the current date, making it easy to identify today’s delinquency code and compare it with the same day in previous months.
In order for information to be displayed in the ‘Delinquency History Table’ section, the loan must be activated.
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