Months since the customer's oldest card was opened.

Average months on book (MOB)/vintage of open account. Shows the maximum age of the opening date of all trades on average.

Number of accounts opened in the last 3 months.

Percentage of satisfactory open trades to all open trades

Ratio of bank card revolver trade balance to total bank card balance. Out of the total card balance across all of a customer's credit cards, this attribute shows how much of the customer's balance is revolving vs. total card balance.

Credit Vision Score - Risk Grade (AA to JJ)

Percentage of 'satisfactory' open trade lines. 'Satisfactory' is defined as a trade line with no delinquency. Ex. Customer has 3 loans and is delinquent in 1 of them, making them 33.33% delinquent.

Shows the months since a customer's oldest trade line was opened. This attribute identifies how mature the customer is based on the oldest age of trade line that they have.

Months since most recent delinquency.

Number of phones first reported in 3 months.

Number of addresses first reported in 3 months.

Number of emails first reported in 3 months.

Balance magnitude for all tradelines in the last 12 months - Same as BALMAG02 attribute, but identifies balance MOM across ALL of a customer's tradelines, not just credit card.

Balance magnitude for revolving tradelines in the last 12 months - Shows what is the movement of balance month-over-month (MOM) such as a customer paying down their credit card debts through consistent, monthly installment payments or a customer building up debt each month. This only applies to credit card trade line.

Total Aggregate Excess Payment for FINANCIAL_TRADE accounts over the past 3 months

Number of trades opened in past 6 months

Total outstanding balance for Credit Cards

Indicates whether input Address matched against subject’s Addresses.

Utilization for open trades verified in past 12 months

Indicates whether input DOB matched against subject’s DOB.

Average Balance in L3M (On-Us)

Indicates whether input Email matched against subject’s Email.

Indicates the ID score of input ID matched against subject’s IDs.

Number of credit card trades opened in past 6 months

Number of credit card trades opened in past 24 months

Indicates exact match on phone, ID, and address.

Months since most recent credit card trade opened

Number of open credit card trades with balance > $0 verified in past 12 months

Indicates the Name score of input Name matched against subject’s Name

Indicates the phone score of input Phone matched against subject’s Phones.

Number of inquiries in the last 3 months. This attribute exhibits recent credit-seeking activities of a borrower.

Shows the percentage of a customer's open tradelines reported in the last 12 months that have more than 75% utilization.

Total number of open accounts.

The inquiry phone number submitted is linked to a consumer with never paid flag.

Overall excess payment for credit card accounts in the past 3 months.

Months since a Bankcard trade last exceeded 90% utilization

Number of closed in good standing trades in past 24 months

Months since most recent inquiry

Total monthly obligation for all accounts

Number of credit inquiries in past 6 months

Number of inquiries (includes duplicates) in the last 3 months

Missed payment ratio in the last 3 months for financial tradelines - A computation of all missed payments across all tradelines of a customer. Shows how many payments across tradelines that the customer missed in the last 3 months (ex. Out of 3 different loans, customer has missed payments in 2 of them).

Card Type with Highest Limit (On-Us)

Number of installment trades opened in past 6 months

Months since most recent installment trade opened

Number of payments in last 12 months

Overall credit card utilization in the last 3 months.

Months since the customer's last card utilization was greater than 75%. Shows how recently the customer has maxed out their credit limit.

Number of bankcard revolver trades over last 3 months

Total Spend L3M (Off-Us)

Utilization of Active Accounts L3M (Off-Us)