Applicant Credit Bureau Auto Debt Ratio

This is the sum of all automobile type lease balances and the sum of all automobile type credit limits. For installment lease, the credit limit is normally equal to the original lease amount. This applies to open tradelines only.

Applicant Credit Bureau Bank Debt Ratio

This is the sum of all bank type lease balances and the sum of all bank type credit limits. For installment lease, the credit limit is normally equal to the original lease amount. This applies to open tradelines only.

Applicant Credit Bureau Card Debt Ratio

This is the sum of all travel card type lease balances and the sum of all travel card type credit limits. This applies to open tradelines only.

Applicant Credit Bureau Debt Ratio

This parameter provides a value for all debt divided by all available credit as shown on the bureau.

Applicant Credit Bureau FICO Score

This is the FICO score provided for the applicant in the bureau pull. There are usually several different types of FICO scores available at the bureau. The different score models are set up to give certain attributes different, weighting based on if the person is buying a car, or a house, and so on. The type of FICO score pulled is based on credit bureau setup.

Applicant Credit Bureau Inst Debt Ratio

This is the sum of all installment lease balances and the sum of all installment lease credit limits. For installment lease, the credit limit is equal to the original lease amount. This applies to open tradelines only.

Applicant Credit Bureau Lease Fin Debt Ratio

This is the sum of all lease finance type balances and the sum of all lease finance type credit limits. For installment lease amount, the credit limit is normally equal to the original lease amount. This applies to open tradelines only.

Applicant Credit Bureau Mortgage Debt Ratio

This is the sum of all mortgage type lease balances and the sum of all mortgage type credit limits. For installment lease, the credit limit is normally equal to the original lease amount. This applies to open tradelines only.

Applicant Credit Bureau Open Public Records

This parameter indicates if there are any open public records in the credit bureau associated with the applicant. This is a numeric counter covering the full period of time available in the bureau.

Applicant Credit Bureau Public Records

This parameter indicates, if there are any public records, open or closed, in the credit bureau associated with the applicant. This is a numeric counter covering the full period of time available in the bureau.

Applicant Credit Bureau Retail Debt Ratio

This is the sum of all retail type lease balances divided by the sum of all retail type credit limits. For installment lease, the credit limit is normally equal to the original lease amount. This applies to open tradelines only. This is expressed as a percent: 50% shows as 50.

Applicant Credit Bureau Rev Debt Ratio

This is the sum of all revolving type lease balances and the sum of all revolving type credit limits. This applies to open tradelines only. This is expressed as a percent: 50% shows as 50.

Applicant Credit Bureau Sales Fin Debt Ratio

This is the sum of all sales finance type lease balances and the sum of all sales finance type credit limits. For installment lease, the credit limit is normally equal to the original lease amount. This applies to open tradelines only. This is expressed as a percent: 50% shows as 50.

Applicant Debt Ratio Stated After Requested Lease Amount

This is the debt divided by available credit based on the values stated by the applicant after factoring in the requested lease amount - this information is not taken from the bureau. This is expressed as a percent: 50% shows as 50.

Applicant Debt Ratio Stated Before Requested Lease Amount

This is the debt divided by available credit based on the values stated by the applicant before factoring in the requested lease amount - this information is not taken from the bureau. This is expressed as a percent: 50% shows as 50.

Applicant Debt To Income Ratio Stated After Requested Lease Amount

This is the debt divided by income based on the values stated by the applicant after factoring in the requested lease amount - this information is not taken from the bureau. This is expressed as a percent: 50% shows as 50.

Applicant Debt To Income Ratio Stated Before Requested Lease Amount

This is the debt divided by income based on the values stated by the applicant before factoring in the requested lease amount - this information is not taken from the bureau. This is expressed as a percent: 50% shows as 50.

Applicant Payment To Income Ratio Stated

This is the total amount of all monthly payments divided by monthly income. These values are stated by the applicant and not taken from the bureau. This is expressed as a percent: 50% shows as 50.

Applicant Prior Customer

This parameter indicates whether the applicant is a prior customer. It is populated when the application is passed to Underwriting for a decision. If the SSN given by the applicant already exists then the applicant is marked as a prior customer and the parameter value is Y (Yes).

Applicant Revolving Debt Ratio Stated

This is the sum of all revolving type lease amount balances / sum of all revolving type credit limits. This applies to open tradelines only. This is expressed as a percent: 50% shows as 50.

Applicant Stated Employment Period (In Months)

This parameter looks at the number of months of stated employment for the most recently entered current employment.

For example, the applicant states that she has been working at her current place of employment for 3 years and 5 months. This parameter would be populated with (3years * 12 months/year) + 5 months which calculates to 41 stated months. If the applicant enters another current employment and enters 1 year and 2 months then this parameter will be populated with 14 months, even though the other employment is still current.

Applicant Stated Monthly Income

This is the monthly income stated by the applicant on the application. It combines the income for all employment marked as current in the system. If the income is stated as anything other than monthly, the income will be converted to monthly for this parameter.

For example, the applicant states that he is paid $50,000 with a frequency of ANNUALLY. This parameter is populated with $50,000/12, which calculates to $4166.67 stated monthly income.

Applicant Stated Monthly Liability

This is the stated monthly liability as provided by the applicant on the Application Entry screen.

Applicant Stated Residence Period (In Months)

This parameter looks at the stated residence period for the most recent current address.