Account Summary - SRV & PUR
| Column Name | Definition | Example |
|---|---|---|
| Program | Name of your Program | Open-End Contracts |
| Location | Location where account was originated | Kansas City |
| Acct # | 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions | ABC1234 |
| Contract # | Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) | ABC1234LOA01 |
| Applicant | Name of the Primary Applicant / Account Holder | John Doe |
| Client Ext ID | Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems | Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client. |
| Status | Primary Status of the Contract. Our system supports Pending, Active, Closed, Cancelled and VOID Statuses, but this report only shows Active | Active |
| Sub Status | Provides more detail about the Contract Status | Current, Past Due, Write-Off Review |
| Code | Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) | SRV |
| Active Date | Date the Contract was Activated in our System and we started to service the account - Create statements, accrue interest, etc. | 2017-10-11 |
| Note Date | Date the Contract was written to take effect and Day Interest would start to Accrue and Assess. | 2017-10-11 |
| Interest Rate | Displayed as a whole number not a decimal. 10.00 is same as 10%. | 10.00 |
| Term | Number of Payments needed to Payoff the Balance of the Contract. | 60 |
| 1st PMT Date | Date 1st Payment is Due. | 2017-06-01 |
| PMT Due Day | Day of the Month Payments are Due. | 1 |
| Next Due Date | Date the next payment is due for this Contract. | 2017-11-01 |
| PMT | Monthly Payment Amount | 164.93 |
| PMT Override | If consumer elects to change the default payment amount, the amount they setup AutoPay for would be found here. It must be greater than the Payment Amount. | 0.00 or a number over $164.93 |
| Past Due Amt | If Delinquent this is the amount Past Due that would need to be paid to make the Contract current. | 0.00 |
| Min PMT Due | Monthly Payment plus and Past Due amount is the Min PMT Due. | 164.93 |
| Delq Date | Delinquent Date the Account went Delinquent (Past Due). Empty if the account is Current. | 2017-09-01 |
| Delq Days | Delinquent Days the account has been Delinquent. | 60 |
| Delq Days EOM | Days the account will be Delinquent at the end of the month if no payments are made. This is useful to determine if the account is subject to write-off this month. | 90 |
| AutoPay Type | If enrolled in AutoPay it will be (CHECKING, SAVINGS, VISA, MASTERCARD, DISCOVER). If not enrolled, then the type will be (NONE) | NONE |
| Credit Charges | Total of All Charges Made to Account (Open-End Credit Only). | 1000.00 |
| Credit Line | Amount of Credit extended to consumer (Open-End Credit Only). | 2000.00 |
| Credit Balance | Amount owed (Open-End Credit Only). | 800.00 |
| Credit Available | Amount of Credit available for additional purchases. Only usable if account is Current and not past due. (Open-End Credit Only). | 1200.00 |
| Amt Financed | Amount Financed by consumer. (original Charge amount if Open-End Credit) | 6986.00 |
| Total Amt PMTs | Total of all Payments Made | 350.00 |
| PMTs Made | Count of Payments Made - Formula: Total Transactions Divided By PMT Amount | 2 |
| Prin Adj | Principal Adjusted. If negative this decreased the amount of principal owed, if positive it was increased. Adjustments are typical in case of some type of refund or to correct a mistake to an amount entered. | -160.00 |
| Prin Pd | Principal Paid - Amount of Payments applied to the Principal Balance. | 100.00 |
| Prin Bal | Principal Balance - Amount of Principal currently remaining. | 6886.00 |
| Int Accrued | Amount of Interest Accrued on the Contract. If special promotion is active, the Accrued amount can be higher than the Assessed amount as the promo maybe deferring interest for a promotional period. | 10.00 |
| Int Assessed | Amount of Interest Assessed on the Contract. This amount is owed. | 10.00 |
| Int Pd | Interest Paid - Amount of Payments applied to Interest | 10.00 |
| Int Bal | Interest Balance - Amount of Interest currently remaining. | 0.00 |
| Fees Assessed | Amount of Fees charged on this Contract. Could be Late Fee or NSF Fee. | 20.00 |
| Fees Pd | Fees Paid - Amount of Payments applied to Fees. | 10.00 |
| Fees Bal | Fees Balance - Amount of Fees currently remaining. | 10.00 |
| Payoff Amt | Principal Bal + Interest Balance + Fees Balance = Payoff Amount - The amount currently owed to payoff this Contract. | 6896.00 |
| Zero Balance Date | Date the account went to a $0.00 balance | 2018-12-20 |
| Closed Date | Date the account was closed by the contract owner | 2018-07-10 |
| Closed Reason | Reason for account being closed | Paid in Full |
Contracts - Past Due with PUR
| Column Name | Definition | Example |
|---|---|---|
| Program | Name of your Program | Open-End Contracts |
| Location | Location where account was originated | Kansas City |
| Acct # | 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions | ABC1234 |
| Contract # | Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) | ABC1234LOA01 |
| Applicant | Name of the Primary Applicant / Account Holder | John Doe |
| Client Ext ID | Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems | Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client. |
| Code | Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) | SRV |
| Status | Primary Status of the Contract. Our system supports Pending, Active, Closed, Cancelled and VOID Statuses, but this report only shows Active | Active |
| Sub Status | Provides more detail about the Contract Status | Current, Past Due, Write-Off Review |
| Delq Date | Delinquent Date the Account went Delinquent (Past Due). Empty if the account is Current. | 2017-09-01 |
| Delq Days | Delinquent Days the account has been Delinquent. | 60 |
| Past Due Amt | If Delinquent this is the amount Past Due that would need to be paid to make the Contract current. | 0.00 |
| Next Due Date | Date the next payment is due for this Contract. | 2017-11-01 |
| PMT IN PROCESS | Payment is made but won't settle until nightly process | 2017/11/11T02:45:02.000Z |
Contracts Write-Off Eligible with PUR
| Column Name | Definition | Example |
|---|---|---|
| Program | Name of your Program | Open-End Contracts |
| Location | Location where account was originated | Kansas City |
| Acct # | 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions | ABC1234 |
| Contract # | Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) | ABC1234LOA01 |
| Applicant | Name of the Primary Applicant / Account Holder | John Doe |
| Client Ext ID | Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems | Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client. |
| Code | Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) | PUR |
| 1st PMT Date | Date 1st Payment is Due. | 2017-06-01 |
| Delq Date | Delinquent Date the Account went Delinquent (Past Due). Empty if the account is Current. | 2017-09-01 |
| Delq Days | Delinquent Days the account has been Delinquent. | 60 |
| Last Complete PMT | Date of the Last Payment Made | 2017-09-01 |
| Days Since Last PMT | Number of Days since Last Payment was Made | 90 |
| Past Due Amt | If Delinquent this is the amount Past Due that would need to be paid to make the Contract current. | 250.00 |
| PMT | Monthly Payment Amount | 164.93 |
| Payoff Amt | Principal Bal + Interest Balance + Fees Balance = Payoff Amount - The amount currently owed to payoff this Contract. | 6896.00 |
EOM - Account Summary with PUR
| Column Name | Definition | Example |
|---|---|---|
| EOM Date | End of Month - Data in the system as of the Last Day of the Month displayed | 2017-08-31 |
| Program | Name of your Program | Open-End Contracts |
| Location | Location where account was originated | Kansas City |
| Acct # | 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions | ABC1234 |
| Contract # | Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) | ABC1234LOA01 |
| Applicant | Name of the Primary Applicant / Account Holder | John Doe |
| Client Ext ID | Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems | Student Number, Patient Number, Client Number as some examples and length and type can vary widely by client. |
| Status | Status of the Contract (Pending, Active, Closed, Cancelled and VOID) | Active |
| Sub Status | Provides more detail about the Contract Status. Active: Current, Past Due, Write-Off Review Closed: Attorney Retained, Bankruptcy, Buyback, Canceled, Client Cancel, Contract Error, Deceased, Fraud, Paid, Refund, Refusal, Rewrite, Sent to Collection Agency, Skip, Small Balance Write-Off, Transfer Account, Write-Off) | Current |
| Code | Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) | PUR |
| Active Date | Date the Contract was Activated in our System and we started to service the account - Create statements, accrue interest, etc. | 2017-10-11 |
| Note Date | Date the Contract was written to take effect and Day Interest would start to Accrue and Assess. | 2017-10-11 |
| Interest Rate | Displayed as a whole number not a decimal. 10.00 is same as 10%. | 10.00 |
| Term | Number of Payments needed to Payoff the Balance of the Contract. | 60 |
| PMT Due Day | Day of the Month Payments are Due. | 1 |
| Next PMT Due | Date the next payment is due for this Contract. | 2017-11-01 |
| PMT | Monthly Payment Amount | 164.93 |
| AutoPay Type | If enrolled in AutoPay it will be (CHECKING, SAVINGS, VISA, MASTERCARD, DISCOVER). If not enrolled, then the type will be (NONE) | NONE |
| Past Due Amt | If Delinquent this is the amount Past Due that would need to be paid to make the Contract current. | 0.00 |
| Min PMT Due | Monthly Payment plus and Past Due amount is the Min PMT Due. | 164.93 |
| Delq Date | Delinquent Date the Account went Delinquent (Past Due). Empty if the account is Current. | 2017-09-01 |
| Delq Days | Delinquent Days the account has been Delinquent. | 60 |
| Credit Line | Amount of Credit extended to consumer (Open-End Credit Only). | 2000.00 |
| Credit Balance | Amount owed (Open-End Credit Only). | 800.00 |
| Credit Available | Amount of Credit available for additional purchases. Only usable if account is Current and not past due. (Open-End Credit Only). | 1200.00 |
| Amt Financed | Amount Financed by consumer. (original Charge amount if Open-End Credit) | 6986.00 |
| Total Amt PMTs | Total of all Payments Made | 350.00 |
| PMTs Made | Count of Payments Made - Formula: Total Transactions Divided By PMT Amount | 2 |
| Prin Adj | Principal Adjusted. If negative this decreased the amount of principal owed, if positive it was increased. Adjustments are typical in case of some type of refund or to correct a mistake to an amount entered. | -160.00 |
| Prin Pd | Principal Paid - Amount of Payments applied to the Principal Balance. | 100.00 |
| Prin Bal | Principal Balance - Amount of Principal currently remaining. | 6886.00 |
| Int Accrued | Amount of Interest Accrued on the Contract. If special promotion is active, the Accrued amount can be higher than the Assessed amount as the promo maybe deferring interest for a promotional period. | 10.00 |
| Int Assessed | Amount of Interest Assessed on the Contract. This amount is owed. | 10.00 |
| Int Pd | Interest Paid - Amount of Payments applied to Interest | 10.00 |
| Int Bal | Interest Balance - Amount of Interest currently remaining. | 0.00 |
| Fees Assessed | Amount of Fees charged on this Contract. Could be Late Fee or NSF Fee. | 20.00 |
| Fees Pd | Fees Paid - Amount of Payments applied to Fees. | 10.00 |
| Fees Bal | Fees Balance - Amount of Fees currently remaining. | 10.00 |
| Payoff Amt | Principal Bal + Interest Balance + Fees Balance = Payoff Amount - The amount currently owed to payoff this Contract. | 6896.00 |
PBA - PUR
| Column Name | Definition | Example |
|---|---|---|
| Program | Name of your Program | Open-End Contracts |
| Payoff | Total Payoff Balance of ALL Contracts | $120,000.00 |
| Principal | Total Principal Balance of ALL Contracts | $90,000.00 |
| Current | Total Principal Balance of Contracts in a Current Status | $110,000.00 |
| Current_Ct | Count of Current Contracts | 17 |
| 03-29 | Total Principal Balance of Contracts 3 to 29 Days Delinquent | $4,000.00 |
| 03-29_Ct | Count of Contracts that are 3 to 29 Days Delinquent | 4 |
| 30-59 | Total Principal Balance of Contracts 30 to 59 Days Delinquent | $3,000.00 |
| 30-59_Ct | Count of Contracts that are 30 to 59 Days Delinquent | 3 |
| 60-89 | Total Principal Balance of Contracts 60 to 89 Days Delinquent | $2,000.00 |
| 60-89_Ct | Count of Contracts that are 60 to 89 Days Delinquent | 2 |
| 90-119 | Total Principal Balance of Contracts 90 to 119 Days Delinquent | $1,000.00 |
| 90-119_Ct | Count of Contracts that are 90 to 119 Days Delinquent | 1 |
| 120+ | Total Principal Balance of Contracts over 120 Days Delinquent | $0.00 |
| 120+_Ct | Count of Contracts that are over 120 Days Delinquent | 0 |