Delinquency Report Set

Reports in this set are designed to inform you about your delinquent accounts and their status. Report Set Permission = Default (This report set can be assigned to Any user)

AutoPay Removed

This report will show you when AutoPay was removed from a contract and why it was removed.

Field Definitions

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	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
Next PMT Due	Due Date of Next Payment	2018-01-05
Past Due Amount	Amount the Contract is currently Past Due	$150.00
AutoPay Removed	Date AutoPay was removed from this Contract	12/03/2017 4:47 AM
Removal Reason	Reason AutoPay was removed - Varies from Decline Codes or Consumer Actions	54: Declined (card expired)

FAQs

How many attempts will be made before AutoPay is removed?

By default, we will attempt AutoPay 3 times over a 15 to 20 day period. If there are three failed attempts, then AutoPay will be removed by our system.
If a Checking or Savings Account is being used, and the Payment NSFs, then AutoPay will be removed.
If using a Credit/Debit Card and we get a Decline Code like “Expired Card” or “Do Not Honor”, the system will remove the Autopay at that time, even if we have not made 3 attempts. Certain decline reasons will never result in a successful payment, so when those decline codes are returned, we remove AutoPay.

Contracts - Past Due

This report will show you all active Contracts that are currently Past Due and in SRV (servicing) portfolio.

Field Definitions

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	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
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

FAQs

Is this data Real Time or Live Data?

Yes, the data on this report is pulled directly from our live system when it’s ran. Information will change daily

My Customer made a payment today, But it’s not reflected on this report, why?

Payments made today will start in a processing status. We settle all payments after 9PM CST everyday. Once a payment is settled it will go into a complete status and completed payments are applied to the Interest, Principal and Fee balances on the Contract.
If a payment is made after 3PM CST it may not settle the same day and will remain in processing until it settles the next day.
You can open the customer’s account in uPortal360 and click on Transactions. This will show you all payments including payments in processing status.

Contracts - Write-Off Eligible

This report will show you all active Contracts that are currently Past Due and meet the criteria for Write-Off. The Write-Off eligibility is based on the assumption of the days the Contract will be delinquent at the End of the Month if no payments are made.

Field Definitions

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
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

Principal Balance Aging (PBA)

e PBA is a report that summarizes all accounts into buckets by Principal Balance. The report can be used to see the amount of dollars at risk if a bucket continues to be delinquent to a point of write-off. E.g. if you have

5,000 in 120+ it's likely that

5,000 will be written off within the next 30 days. This report has “drill down” features. Your data is summarized on the report, then you can click on the hyperlink values (the Count Ct Fields) to see a display of the contracts that make up these counts.

Field Definitions

PBA

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

PBA Drilldown

Column Name	Definition	Example
Program	Name of your Program	Open-End Contracts
Acct #	7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions	ABC1234
Location	Location where account was originated	Kansas City
Name	Name of the Primary Applicant / Account Holder	John Doe
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
03-29	Total Principal Balance of Contracts 3 to 29 Days Delinquent	$4,000.00
30-59	Total Principal Balance of Contracts 30 to 59 Days Delinquent	$3,000.00
60-89	Total Principal Balance of Contracts 60 to 89 Days Delinquent	$2,000.00
90-119	Total Principal Balance of Contracts 90 to 119 Days Delinquent	$1,000.00
120+	Total Principal Balance of Contracts over 120 Days Delinquent	$0.00

Contracts - Closed

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.
SSN	Last 4 of applicant’s social listed on report	xxx-xx-0000
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
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
Date Zero Balance	Date the account went to a $0.00 balance	2018-12-20
Date Closed	Date the account was closed by the contract owner	2018-07-10
Closed Reason	Reason for account being closed	Refusal
Exit Status	Used to indicate what happened to contracts that were closed but not paid	Send to Collections
Cash Price	Retail amount of the Items(s) purchased	5500.00
Amount Financed	Retail Price less Cash Price is the Amount Financed.	4500.00

Overview

Support

uPortal Guide

Support Tickets & Contract Changes

Finance Programs (PUR and SRV)

Frequently Asked Questions

Help & Contacts

Getting Started with UGA Finance

Account & User Setup

Credit Application Process

Managing Contracts

Servicing & Consumer Payments

Purchasing Program Approval

Support Tickets & Cases

Reports & Invoices

Integrations & API

AutoPay Removed

Field Definitions

FAQs

Contracts - Past Due

Field Definitions

FAQs

Contracts - Write-Off Eligible

Field Definitions

Principal Balance Aging (PBA)

Field Definitions

PBA

PBA Drilldown

Contracts - Closed

​AutoPay Removed

​Field Definitions

​FAQs

​Contracts - Past Due

​Field Definitions

​FAQs

​Contracts - Write-Off Eligible

​Field Definitions

​Principal Balance Aging (PBA)

​Field Definitions

​PBA

​PBA Drilldown

​Contracts - Closed

AutoPay Removed

Field Definitions

FAQs

Contracts - Past Due

Field Definitions

FAQs

Contracts - Write-Off Eligible

Field Definitions

Principal Balance Aging (PBA)

Field Definitions

PBA

PBA Drilldown

Contracts - Closed