Line of credit reports are available by request via the Report File Hub or a destination of your choosing. Your data delivery options are outlined in our Data on Demand article. These reports are designed to help simplify the process of internal reporting, but can also make it easy to share reports with sponsor banks. The report options include both summary reports and detailed reports that provide granular insights. This article will define each of the available reports and show you how to access them within your tenant. 

Available reports

Line of credit reports are scheduled to query the database daily and deliver outputs to your Report File Hub or chosen location. In most cases, the report will display data from the previous day (T-1) although some reports pull data from the previous month. 

Each available report is listed below. For an in-depth guide, click the report title. 

Charge-off

• Charge-off detailed: provides a comprehensive overview of all accounts that were in the ‘Closed - Charged Off’ status the previous day.
• Charge-off summary: all accounts that were in the ‘Closed - Charged Off’ status throughout the month.

Delinquency 

• All delinquency: a comprehensive overview of all accounts that are past due, including details such as days past due, amount past due, and account statuses.
• Delinquency 1-30: all accounts that are 1-30 days past due.
• Delinquency 31-60: all accounts that are 31-60 days past due. 
• Delinquency 61-90: all accounts that are 61-90 days past due.
• Delinquency 91+: all accounts that are 91+ days past due. 
• Delinquency summary: all past due accounts for the past month.
• Revenue at risk: all outstanding loans that are in the Open status.

Transactions

• Credits: overview of all credit-related transactions that were created the previous day including details such as transaction dates, amounts, and credit types.
• Fees: all fee-related transactions that were created the previous day, including details such as transaction dates, amounts, and fee types.
• Finance charges: all finance-charge-related transactions that were created the previous day, including details such as transaction dates and amounts.
• Payments: a comprehensive overview of payment-related transactions that were created the previous day. This report does not include deleted payments or payments on deleted accounts.
• Swipes: all purchase-related transactions that were created the previous day, including details such as transaction dates, amounts, and bucket names.
• Reversed payments: all reversed payment related transactions that were created the previous day, not including deleted payments or payments on a deleted account. 
• Transactions detailed report: overview of all swipes, fees, payments, and finance charges that were created the previous day.
• Transaction summary report: a summary of transaction totals for all swipes, fees, payments, and finance charges for each day of the current month.

Additional reports

• Customer information: a comprehensive overview of all customer-related information and activity, including details such as contact information, customer portal login activity, and payment activity.
• Disputes & chargebacks: overview of all dispute and chargeback activity, including details for the dispute, the disputed transaction, the provisional credit, and the chargeback credit associated with the account.
• Expired authorizations:  all card swipes that experienced an expired or void event the previous day, including the ID of the card that made the transaction, original authorized amount, and authorized/expired date times.
• Fraud: an overview of the accounts that started the prior day in the ‘Open - Fraud Process’ or ‘Closed - Fraudulent Account’ status. It includes portfolio names assigned to the account, fraud types, fraud descriptions, dispute IDs, and other fields that are tied to the default fraud process.
• Historical archive: provides a snapshot of the previous day for all accounts from the line of credit daily archive, including information on AutoPays, outstanding balances, days past due, and transaction totals.
• Settlement summary report: overview of all card swipes that experienced a cleared event for each day of the month. This report can also be used for financial reconciliation. 
• Settlement detailed report: all card swipes that experienced a cleared event the previous day, including the ID of the card that made the transaction, the bin, and network. This report can also be used for financial reconciliation. 

Accessing reports

To access and begin using line of credit reports, you must reach out to your LoanPro contact. Once you’ve set up this reporting feature, the reports will be uploaded to the location of your choosing. The options include:

• Report File Hub (preferred)
• Secure File Transfer Protocol (SFTP) connection 
• Google Drive

If you choose a delivery method other than the Report File Hub, the reports will be encrypted before they are delivered. For a deeper explanation of each option, read about our delivery options here. 

Report File Hub

Using the Report File Hub is our preferred method of delivery. It is a secure, easy-to-use location housed within the software. To open the Report File Hub, navigate to Reports > Administration > Report File Hub.

In the Report File Hub, you’ll be able to access any of the line of credit reports you requested as well as access or upload other documents you use in your tenant. 

Other delivery options

If you have selected a different delivery option than the report file hub, your reports will be uploaded to the destination of your choosing. Open your selected location each day, and the reports will be available to you.