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Avg Credit Score

712

5.2% vs last month

Excellent Scores

28%

2.1% increase

High Risk Borrowers

4.8%

0.5% decrease

Recent Updates

1,245

Last 24 hours

Credit Score Trends

Score Distribution

Borrower Credit Score Risk Grade Active Loans Total Debt Last Updated Actions
User

Michael Rodriguez

#BRW-2024-001

785
Low 3 $24,850

Oct 24, 2024

Auto-check

User

Sarah Chen

#BRW-2024-045

645
Medium 1 $8,200

Oct 22, 2024

Manual

User

James Wilson

#BRW-2024-089

520
High 2 $15,400

Oct 20, 2024

Missed Payment

User

Emma Davis

#BRW-2024-112

810
Low 0 $0

Oct 18, 2024

Loan Closed

User

Robert Brown

#BRW-2024-156

725
Good 4 $32,100

Oct 15, 2024

Routine Check

Showing 5 of 2,456 borrowers
...

Credit Analysis

Comprehensive Bureau Report

user

Michael Rodriguez

#BRW-2024-001 Vip Member

Credit Score

785

15

Risk Grade

Low Risk
Credit Factors
Payment History 98% (Excellent)
Credit Utilization 12% (Good)
Length of History 4.2 Years
Financial Summary

Total Debt

$24,850

Active Loans

3

DTI Ratio

18.4%

Available Credit

$45,000

AI Risk Assessment

"Michael shows strong repayment patterns with low credit utilization. Projected score increase of +20 points in the next 3 months if current behavior persists."

Recent Activities

On-time Loan Payment

Oct 24, 2024 • +15 points

Hard Inquiry: LoanProX Bank

Sep 15, 2024 • -2 points

Quarterly Bureau Sync

Aug 01, 2024 • Stable

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