{ "model": "grayson-1", "state": { "lender": "Our bank (U.S. bank): unsecured personal loans, applied for online", "application": { "id": "pl_6MW24R", "product": "Unsecured personal loan, $3,000 to $50,000, 24 to 60 months, fixed rate. Funds go by ACH to the applicant's own checking account, or for debt consolidation straight to the creditors.", "channel": "Mobile web (Android)", "started_at": "2026-10-07T17:51:09Z", "submitted_at": "2026-10-07T18:01:47Z", "applicant": { "name": "Kyle D. Brannigan", "date_of_birth": "1993-01-27", "age": 33, "ssn": "xxx-xx-7731", "citizenship": "U.S. citizen" }, "home_address": "1640 S Ocotillo Bend, Apt 207, Mesa, AZ 85210", "time_at_address": "4 years", "housing": { "status": "Rent", "monthly_payment_usd": 1450 }, "email": "kbrannigan93@example.com", "mobile_phone": "(480) 555-0163", "employment": { "status": "Employed full time", "employer": "Dry Wash Heating & Cooling LLC", "employer_address": "Gilbert, AZ", "employer_phone": "(480) 555-0155", "job_title": "HVAC Technician", "start_date": "2026-09", "pay_frequency": "Weekly", "gross_annual_income_usd": 78000 }, "previous_employer": { "employer": "Copper Basin Mechanical Contractors", "job_title": "Field Service Technician", "dates": "2019-05 to 2026-07" }, "other_income": "None", "total_gross_annual_income_usd": 78000, "loan_request": { "amount_usd": 20000, "term_months": 48, "purpose": "Debt consolidation", "funds_to": "My checking account (connected below)" }, "loans_taken_in_last_60_days_not_on_credit_report": "None", "existing_customer": "No" }, "identity_verification": { "name_ssn_dob_address": "Match: name, SSN, date of birth and address appear together in credit-header records since 2022", "identity_first_reported": "2011-02", "ssn": "Valid; issued 1993 to 1994, before randomization, consistent with the date of birth; 1 name and 1 date of birth associated; no Death Master File match", "address_history": [ { "address": "1640 S Ocotillo Bend, Apt 207, Mesa, AZ 85210", "first_reported": "2022-09", "last_reported": "2026-09", "sources": 5 }, { "address": "Tempe, AZ 85281", "first_reported": "2016-08", "last_reported": "2022-08", "sources": 4 } ], "phones_in_identity_records": [ { "phone": "(480) 555-0163", "type": "Mobile", "first_reported": "2015-06", "last_reported": "2026-09" } ], "emails_in_identity_records": [ { "email": "kbrannigan93@example.com", "first_reported": "2012-10", "last_reported": "2026-09" } ], "application_phone": "(480) 555-0163: in this identity's records since 2015", "application_email": "kbrannigan93@example.com: in this identity's records since 2012", "email_check": { "first_seen": "2012-10-03", "domain_type": "Free webmail", "name_match": "Partial name match", "appears_in_known_data_breaches": 2, "deliverable": true, "risk_score": { "score": 96, "scale": "0-999, higher is riskier", "reasons": [ "Long history" ] } }, "phone_check": { "line_type": "Mobile (prepaid)", "carrier": "Prepaid brand on a major U.S. network", "first_seen": "2015-06", "subscriber_name": "KYLE BRANNIGAN (carrier record)", "ported_last_90_days": false, "sms_one_time_code": "Delivered and entered correctly", "risk_score": { "score": 214, "scale": "0-999, higher is riskier", "reasons": [ "Prepaid line" ] } }, "identity_theft_score": { "score": 71, "scale": "0-999, higher is riskier", "reasons": [ "No significant reasons" ] } }, "credit_file": { "pulled_at": "2026-10-07T18:01:50Z", "pull_type": "Hard inquiry, with the applicant's consent, for this loan", "file_created": "2011-02", "name_on_file": "KYLE D BRANNIGAN", "also_known_as": [], "employment_on_file": "COPPER BASIN MECHANICAL CONTRACTORS (reported 2023-06)", "score": { "model": "Generic risk score, 300-850", "value": 664, "factors": [ "Proportion of balances to credit limits on revolving accounts is too high", "Recent increase in revolving balances", "Too many inquiries in the last 12 months" ] }, "alerts_and_freezes": { "fraud_alert": "None", "security_freeze": "None", "active_duty_alert": "None" }, "summary": { "file_age_years": 15, "tradelines_total": 6, "tradelines_open": 4, "authorized_user_tradelines": 0, "revolving_limit_usd": 18500, "revolving_balance_usd": 14440, "revolving_utilization_pct": 78.1, "installment_balance_usd": 10605, "monthly_payments_on_file_usd": 786, "accounts_opened_last_6_months": 0, "accounts_opened_last_12_months": 0, "hard_inquiries_last_30_days": 2, "hard_inquiries_last_90_days": 2, "hard_inquiries_last_12_months": 2, "late_payments_last_24_months": 0, "collections": 0, "public_records": 0 }, "tradelines": [ { "creditor_type": "Auto loan (credit union)", "account": "x0417-L1", "ownership": "Individual", "opened": "2023-06", "original_amount_usd": 26000, "term_months": 60, "monthly_payment_usd": 498, "balance_usd": 10605, "status": "Open, current", "last_reported": "2026-09", "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC" }, { "creditor_type": "Bank credit card", "account": "x7710", "ownership": "Individual", "opened": "2013-03", "credit_limit_usd": 6000, "balance_usd": 4960, "status": "Open, current", "last_reported": "2026-09", "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC", "statement_balances_24m_newest_first": [ 4960, 3820, 2140, 1223, 1347, 1076, 1269, 1318, 1380, 1097, 1296, 1271, 1121, 1495, 1364, 1065, 1013, 1037, 1184, 1321, 1337, 1335, 1163, 1520 ] }, { "creditor_type": "Credit union credit card", "account": "x0522", "ownership": "Individual", "opened": "2016-08", "credit_limit_usd": 4500, "balance_usd": 3610, "status": "Open, current", "last_reported": "2026-09", "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC", "statement_balances_24m_newest_first": [ 3610, 2955, 1310, 697, 1231, 771, 1170, 1020, 958, 943, 850, 693, 1323, 827, 1237, 978, 1046, 1251, 1232, 843, 1318, 1188, 753, 780 ] }, { "creditor_type": "Bank credit card", "account": "x5528", "ownership": "Individual", "opened": "2022-02", "credit_limit_usd": 8000, "balance_usd": 5870, "status": "Open, current", "last_reported": "2026-09", "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC", "statement_balances_24m_newest_first": [ 5870, 4410, 2280, 1401, 1742, 1332, 1284, 1445, 1144, 1478, 1160, 1506, 1194, 1791, 1408, 1552, 1179, 1912, 1690, 1450, 1086, 1617, 1234, 1491 ] }, { "creditor_type": "Unsecured personal loan (online lender)", "account": "x3360", "ownership": "Individual", "opened": "2021-02", "closed": "2023-12", "original_amount_usd": 6000, "term_months": 36, "monthly_payment_usd": 198, "balance_usd": 0, "status": "Closed, paid as agreed", "last_reported": "2023-12" }, { "creditor_type": "Education loan (trade school)", "account": "x8812", "ownership": "Individual", "opened": "2012-08", "closed": "2019-04", "original_amount_usd": 9400, "term_months": 96, "monthly_payment_usd": 104, "balance_usd": 0, "status": "Closed, paid as agreed", "last_reported": "2019-04" } ], "inquiries_last_24_months": [ { "date": "2025-02-19", "industry": "Bank credit card" }, { "date": "2026-10-01", "industry": "Personal loan (online lender)" }, { "date": "2026-10-03", "industry": "Personal loan (online lender)" } ] }, "employment_verification": { "employment_database": { "searched_at": "2026-10-07T18:01:52Z", "result": "Employer not found", "detail": "No record for DRY WASH HEATING & COOLING LLC (the database covers employers whose payroll provider reports to it; many small employers aren't covered)" }, "previous_employer_in_database": { "employer": "COPPER BASIN MECHANICAL CONTRACTORS", "employee": "KYLE D BRANNIGAN, SSN matches", "status": "Inactive", "hire_date": "2019-05-13", "last_day": "2026-07-17", "job_title": "Field Service Technician", "base_pay": "$30.75 an hour", "annual_gross_pay_usd": { "2024": 66112.08, "2025": 69480.55, "2026_to_date": 40862.31 } }, "stated_vs_database": "No current-employer record. Stated $78,000 is 12% above the previous employer's 2025 pay", "employer_checks": { "business_registry": "Dry Wash Heating & Cooling LLC: active, formed 2023-02-14; member and organizer Ruben A. Salcido; principal address a single-family home in Gilbert, AZ", "contractor_license": "Active residential air-conditioning contractor license since 2023-04; no complaints on file", "web_presence": "Website domain registered 2023-03; map listing with 23 customer reviews since 2023", "listed_phone": "(480) 555-0155 on the website and map listing", "employer_phone_on_application": "(480) 555-0155: matches the listed number; mobile line, carrier subscriber R. SALCIDO", "link_to_applicant": "The applicant sent ZELLE TO RUBEN SALCIDO $60.00 on 2026-07-12, before the stated start date" }, "verification_call": "Not attempted. We call employers only when the fraud screen holds an application for income verification." }, "documents": { "uploaded": [ { "file": "paystub_sep19.pdf", "pages": 1, "produced_by": "A free online pay stub generator's standard template, 2026-10-07T04:14Z (21:14 MST on 2026-10-06)", "modified": "Not modified after it was produced", "tamper_findings": [], "template_findings": [ "Layout matches a free online pay stub generator; small employers without payroll software use these, and so do fake-employer schemes", "Employer EIN is in a valid format; it can't be checked against payroll records" ], "extracted": { "employer": "Dry Wash Heating & Cooling LLC, Gilbert, AZ (a residential address)", "employee": "Kyle D Brannigan", "employee_ssn_last4": "7731", "employee_address": "Mesa, AZ 85210", "pay_date": "2026-09-19", "pay_period": "2026-09-08 to 2026-09-14", "earnings": { "columns": [ "type", "hours", "rate_usd", "amount_usd" ], "rows": [ [ "Regular", 40, 37.5, 1500 ] ] }, "gross_pay_usd": 1500, "deductions": { "federal_income_tax_usd": 159, "social_security_usd": 93, "medicare_usd": 21.75, "arizona_income_tax_usd": 30 }, "net_pay_usd": 1196.25, "year_to_date": { "gross_usd": 1500 }, "payment_method_on_stub": "Direct deposit" } }, { "file": "paystub_sep26.pdf", "pages": 1, "produced_by": "A free online pay stub generator's standard template, 2026-10-07T04:16Z (21:16 MST on 2026-10-06)", "modified": "Not modified after it was produced", "tamper_findings": [], "template_findings": [ "Layout matches a free online pay stub generator; small employers without payroll software use these, and so do fake-employer schemes", "Employer EIN is in a valid format; it can't be checked against payroll records" ], "extracted": { "employer": "Dry Wash Heating & Cooling LLC, Gilbert, AZ (a residential address)", "employee": "Kyle D Brannigan", "employee_ssn_last4": "7731", "employee_address": "Mesa, AZ 85210", "pay_date": "2026-09-26", "pay_period": "2026-09-15 to 2026-09-21", "earnings": { "columns": [ "type", "hours", "rate_usd", "amount_usd" ], "rows": [ [ "Regular", 40, 37.5, 1500 ], [ "Overtime", 2, 56.25, 112.5 ] ] }, "gross_pay_usd": 1612.5, "deductions": { "federal_income_tax_usd": 172.5, "social_security_usd": 99.97, "medicare_usd": 23.38, "arizona_income_tax_usd": 32.25 }, "net_pay_usd": 1284.4, "year_to_date": { "gross_usd": 3112.5 }, "payment_method_on_stub": "Direct deposit" } }, { "file": "paystub_oct3.pdf", "pages": 1, "produced_by": "A free online pay stub generator's standard template, 2026-10-07T04:19Z (21:19 MST on 2026-10-06)", "modified": "Not modified after it was produced", "tamper_findings": [], "template_findings": [ "Layout matches a free online pay stub generator; small employers without payroll software use these, and so do fake-employer schemes", "Employer EIN is in a valid format; it can't be checked against payroll records" ], "extracted": { "employer": "Dry Wash Heating & Cooling LLC, Gilbert, AZ (a residential address)", "employee": "Kyle D Brannigan", "employee_ssn_last4": "7731", "employee_address": "Mesa, AZ 85210", "pay_date": "2026-10-03", "pay_period": "2026-09-22 to 2026-09-28", "earnings": { "columns": [ "type", "hours", "rate_usd", "amount_usd" ], "rows": [ [ "Regular", 40, 37.5, 1500 ] ] }, "gross_pay_usd": 1500, "deductions": { "federal_income_tax_usd": 159, "social_security_usd": 93, "medicare_usd": 21.75, "arizona_income_tax_usd": 30 }, "net_pay_usd": 1196.25, "year_to_date": { "gross_usd": 4612.5 }, "payment_method_on_stub": "Direct deposit" } } ], "consistency": "Arithmetic is consistent on all three (hours times rate, year-to-date sums, Social Security 6.2%, Medicare 1.45%, Arizona withholding 2.0%). Net pay matches each Zelle payment from the employer to the cent. All three stubs were produced within 5 minutes on the night before the application, 3 to 17 days after their pay dates, and say 'Direct deposit' though the money came by Zelle.", "id_document": "Not collected at submission. Document and selfie verification runs only when the fraud screen holds an application for identity verification." }, "connected_bank_account": { "linked_at": "2026-10-07T17:59:04Z", "link_method": "Instant account link: the applicant signed in to the credit union's online banking", "used_for": "Income verification, the loan funds, and autopay of the loan", "institution": "Credit union, Arizona", "account": "Checking x0417, opened 2016-08", "owner_on_account": { "names": [ "KYLE D BRANNIGAN" ], "address": "1640 S Ocotillo Bend, Apt 207, Mesa, AZ 85210", "email": "kbrannigan93@example.com", "phone": "(480) 555-0163" }, "owner_match_to_application": { "name": "Match", "address": "Match", "email": "Match", "phone": "Match" }, "income_detected": [ { "payer": "COPPER BASIN MECH PAYROLL", "type": "Payroll (ended)", "frequency": "Every two weeks", "deposits_90_days": 2, "first": "2026-07-09", "last": "2026-07-23", "average_usd": 2282.46, "total_90_days_usd": 4564.92 }, { "payer": "AZ DES UI BENEFITS", "type": "Unemployment benefits (ended)", "frequency": "Weekly", "deposits_90_days": 6, "first": "2026-08-04", "last": "2026-09-08", "average_usd": 373.33, "total_90_days_usd": 2240 }, { "payer": "ZELLE FROM DRY WASH HEATING & COOLING LLC", "type": "Person-to-person transfer from a business account; not classified as payroll", "frequency": "Weekly", "deposits_90_days": 3, "first": "2026-09-19", "last": "2026-10-03", "average_usd": 1225.63, "total_90_days_usd": 3676.9 } ], "income_from_stated_employer": "Three weekly Zelle payments from DRY WASH HEATING & COOLING LLC's business account since 2026-09-19, each equal to a stub's net pay; no payroll (ACH) deposits from it", "other_lender_activity": "Auto loan payments to x0417-L1. No loan disbursements in.", "current_balance_usd": 3191.77, "average_daily_balance_90_days_usd": 3530.87, "lowest_balance_90_days_usd": 2279.17, "overdrafts_or_nsf_90_days": 0, "cash_flow_by_month": { "columns": [ "month", "credits_usd", "debits_usd" ], "rows": [ [ "2026-07 (from 07-09)", 4564.92, 2241.09 ], [ "2026-08", 2800, 3385.09 ], [ "2026-09", 3620.65, 3780.84 ], [ "2026-10 (to 10-06)", 1196.25, 1894.9 ] ] }, "transactions": { "note": "Posted items 2026-07-09 to 2026-10-06 from the account link; debits negative; balance computed back from the current balance", "columns": [ "posted", "description", "amount_usd", "category", "balance_usd" ], "rows": [ [ "2026-07-09", "COPPER BASIN MECH PAYROLL PPD", 1946.52, "Income: payroll", 4258.39 ], [ "2026-07-12", "CRICKET WIRELESS", -55, "Phone", 4203.39 ], [ "2026-07-12", "ZELLE TO RUBEN SALCIDO", -60, "Transfer out: P2P", 4143.39 ], [ "2026-07-13", "FILIBERTOS #44 MESA AZ", -31.11, "Restaurants", 4112.28 ], [ "2026-07-14", "NETFLIX.COM", -15.49, "Subscriptions", 4096.79 ], [ "2026-07-15", "TRANSFER TO LOAN x0417-L1", -498, "Loan payment", 3598.79 ], [ "2026-07-15", "FILIBERTOS #44 MESA AZ", -15.57, "Restaurants", 3583.22 ], [ "2026-07-17", "CULVERS OF MESA AZ", -13.8, "Restaurants", 3569.42 ], [ "2026-07-18", "IN-N-OUT MESA #146", -32.82, "Restaurants", 3536.6 ], [ "2026-07-20", "WALMART SC #1426 MESA AZ", -20.17, "Shopping", 3516.43 ], [ "2026-07-20", "SRP ELECTRIC PAYMENT", -248.31, "Utilities", 3268.12 ], [ "2026-07-21", "DOORDASH*FIVE GUYS", -19.58, "Restaurants", 3248.54 ], [ "2026-07-21", "WALMART SC #1426 MESA AZ", -63.18, "Groceries", 3185.36 ], [ "2026-07-23", "COPPER BASIN MECH PAYROLL PPD", 2618.4, "Income: payroll", 5803.76 ], [ "2026-07-24", "FRYS FOOD #0041 MESA AZ", -71.81, "Groceries", 5731.95 ], [ "2026-07-24", "CREDIT CARD PAYMENT x7710", -400, "Credit card payment", 5331.95 ], [ "2026-07-25", "CREDIT CARD PAYMENT x5528", -300, "Credit card payment", 5031.95 ], [ "2026-07-26", "FILIBERTOS #44 MESA AZ", -9.63, "Restaurants", 5022.32 ], [ "2026-07-26", "COX COMMUNICATIONS", -65, "Utilities", 4957.32 ], [ "2026-07-27", "TACO BELL #29011 MESA AZ", -20.87, "Restaurants", 4936.45 ], [ "2026-07-27", "CREDIT CARD PAYMENT CU x0522", -250, "Credit card payment", 4686.45 ], [ "2026-07-28", "XBOX GAME PASS", -19.99, "Subscriptions", 4666.46 ], [ "2026-07-30", "FILIBERTOS #44 MESA AZ", -30.76, "Restaurants", 4635.7 ], [ "2026-08-01", "QT 1468 MESA AZ", -41.34, "Gas", 4594.36 ], [ "2026-08-01", "MESA PALMS RESIDENTIAL RENT WEB", -1450, "Rent", 3144.36 ], [ "2026-08-03", "TACO BELL #29011 MESA AZ", -9.13, "Restaurants", 3135.23 ], [ "2026-08-04", "AZ DES UI BENEFITS", 640, "Income: unemployment", 3775.23 ], [ "2026-08-04", "CIRCLE K #2709 MESA AZ", -47.6, "Gas", 3727.63 ], [ "2026-08-04", "WALMART SC #1426 MESA AZ", -29.93, "Shopping", 3697.7 ], [ "2026-08-04", "SAFEWAY #1739 MESA AZ", -83.15, "Groceries", 3614.55 ], [ "2026-08-05", "PROGRESSIVE *INSURANCE", -142.18, "Insurance", 3472.37 ], [ "2026-08-05", "CULVERS OF MESA AZ", -30.1, "Restaurants", 3442.27 ], [ "2026-08-06", "FRYS FOOD #0041 MESA AZ", -61.24, "Groceries", 3381.03 ], [ "2026-08-08", "FILIBERTOS #44 MESA AZ", -8.13, "Restaurants", 3372.9 ], [ "2026-08-09", "ZELLE FROM TYLER BRANNIGAN", 200, "Transfer in: P2P", 3572.9 ], [ "2026-08-09", "DOORDASH*CHIPOTLE", -25.41, "Restaurants", 3547.49 ], [ "2026-08-10", "IN-N-OUT MESA #146", -21.61, "Restaurants", 3525.88 ], [ "2026-08-11", "AZ DES UI BENEFITS", 320, "Income: unemployment", 3845.88 ], [ "2026-08-12", "CRICKET WIRELESS", -55, "Phone", 3790.88 ], [ "2026-08-12", "QT 1468 MESA AZ", -56.04, "Gas", 3734.84 ], [ "2026-08-14", "NETFLIX.COM", -15.49, "Subscriptions", 3719.35 ], [ "2026-08-15", "TRANSFER TO LOAN x0417-L1", -498, "Loan payment", 3221.35 ], [ "2026-08-15", "FRYS FOOD #0041 MESA AZ", -46.34, "Groceries", 3175.01 ], [ "2026-08-17", "TRANSFER FROM SAVINGS x0418", 500, "Transfer: own savings", 3675.01 ], [ "2026-08-17", "CIRCLE K #2709 MESA AZ", -38.76, "Gas", 3636.25 ], [ "2026-08-18", "AZ DES UI BENEFITS", 320, "Income: unemployment", 3956.25 ], [ "2026-08-20", "CIRCLE K #2709 MESA AZ", -53.33, "Gas", 3902.92 ], [ "2026-08-20", "SRP ELECTRIC PAYMENT", -271.9, "Utilities", 3631.02 ], [ "2026-08-23", "QT 1468 MESA AZ", -66.45, "Gas", 3564.57 ], [ "2026-08-24", "CREDIT CARD PAYMENT x7710", -41, "Credit card payment", 3523.57 ], [ "2026-08-24", "FILIBERTOS #44 MESA AZ", -27.43, "Restaurants", 3496.14 ], [ "2026-08-24", "QT 1468 MESA AZ", -51.36, "Gas", 3444.78 ], [ "2026-08-25", "AZ DES UI BENEFITS", 320, "Income: unemployment", 3764.78 ], [ "2026-08-25", "WALMART SC #1426 MESA AZ", -27.7, "Shopping", 3737.08 ], [ "2026-08-25", "CREDIT CARD PAYMENT x5528", -52, "Credit card payment", 3685.08 ], [ "2026-08-26", "COX COMMUNICATIONS", -65, "Utilities", 3620.08 ], [ "2026-08-27", "CREDIT CARD PAYMENT CU x0522", -35, "Credit card payment", 3585.08 ], [ "2026-08-27", "FILIBERTOS #44 MESA AZ", -14.48, "Restaurants", 3570.6 ], [ "2026-08-28", "XBOX GAME PASS", -19.99, "Subscriptions", 3550.61 ], [ "2026-08-31", "TRANSFER FROM SAVINGS x0418", 500, "Transfer: own savings", 4050.61 ], [ "2026-09-01", "AZ DES UI BENEFITS", 320, "Income: unemployment", 4370.61 ], [ "2026-09-01", "MESA PALMS RESIDENTIAL RENT WEB", -1450, "Rent", 2920.61 ], [ "2026-09-02", "SAFEWAY #1739 MESA AZ", -101.29, "Groceries", 2819.32 ], [ "2026-09-05", "PROGRESSIVE *INSURANCE", -142.18, "Insurance", 2677.14 ], [ "2026-09-06", "BOOT BARN #318 MESA AZ", -164.99, "Shopping", 2512.15 ], [ "2026-09-08", "AZ DES UI BENEFITS", 320, "Income: unemployment", 2832.15 ], [ "2026-09-08", "TACO BELL #29011 MESA AZ", -30.95, "Restaurants", 2801.2 ], [ "2026-09-10", "HARBOR FREIGHT TOOLS 543 MESA AZ", -86.43, "Shopping", 2714.77 ], [ "2026-09-12", "HOME DEPOT #0471 MESA AZ", -52.17, "Shopping", 2662.6 ], [ "2026-09-12", "DOORDASH*SUBWAY", -18.82, "Restaurants", 2643.78 ], [ "2026-09-12", "CRICKET WIRELESS", -55, "Phone", 2588.78 ], [ "2026-09-14", "TRANSFER FROM SAVINGS x0418", 500, "Transfer: own savings", 3088.78 ], [ "2026-09-14", "NETFLIX.COM", -15.49, "Subscriptions", 3073.29 ], [ "2026-09-15", "TRANSFER TO LOAN x0417-L1", -498, "Loan payment", 2575.29 ], [ "2026-09-19", "ZELLE FROM DRY WASH HEATING & COOLING LLC", 1196.25, "Transfer in: P2P", 3771.54 ], [ "2026-09-19", "IN-N-OUT MESA #146", -10.32, "Restaurants", 3761.22 ], [ "2026-09-19", "SAFEWAY #1739 MESA AZ", -38.89, "Groceries", 3722.33 ], [ "2026-09-20", "CULVERS OF MESA AZ", -11.06, "Restaurants", 3711.27 ], [ "2026-09-20", "AMAZON MKTPL*HC8V3Y488", -60.72, "Shopping", 3650.55 ], [ "2026-09-21", "TACO BELL #29011 MESA AZ", -20.76, "Restaurants", 3629.79 ], [ "2026-09-21", "SRP ELECTRIC PAYMENT", -219.45, "Utilities", 3410.34 ], [ "2026-09-22", "HARKINS THEATRES MESA AZ", -27.05, "Entertainment", 3383.29 ], [ "2026-09-23", "STEAM PURCHASE", -36.54, "Entertainment", 3346.75 ], [ "2026-09-24", "QT 1468 MESA AZ", -51.34, "Gas", 3295.41 ], [ "2026-09-24", "WALMART SC #1426 MESA AZ", -68.79, "Groceries", 3226.62 ], [ "2026-09-24", "CREDIT CARD PAYMENT x7710", -76, "Credit card payment", 3150.62 ], [ "2026-09-25", "CREDIT CARD PAYMENT x5528", -88, "Credit card payment", 3062.62 ], [ "2026-09-26", "ZELLE FROM DRY WASH HEATING & COOLING LLC", 1284.4, "Transfer in: P2P", 4347.02 ], [ "2026-09-26", "COX COMMUNICATIONS", -65, "Utilities", 4282.02 ], [ "2026-09-27", "SAFEWAY #1739 MESA AZ", -66.2, "Groceries", 4215.82 ], [ "2026-09-27", "CREDIT CARD PAYMENT CU x0522", -72, "Credit card payment", 4143.82 ], [ "2026-09-27", "IN-N-OUT MESA #146", -32.58, "Restaurants", 4111.24 ], [ "2026-09-28", "IN-N-OUT MESA #146", -24.95, "Restaurants", 4086.29 ], [ "2026-09-28", "XBOX GAME PASS", -19.99, "Subscriptions", 4066.3 ], [ "2026-09-30", "IN-N-OUT MESA #146", -11.83, "Restaurants", 4054.47 ], [ "2026-09-30", "WALMART SC #1426 MESA AZ", -82.23, "Shopping", 3972.24 ], [ "2026-09-30", "FRYS FOOD #0041 MESA AZ", -73.82, "Groceries", 3898.42 ], [ "2026-09-30", "ARIZONA MVD SERVICE FEE", -8, "Fees", 3890.42 ], [ "2026-10-01", "CIRCLE K #2709 MESA AZ", -62.84, "Gas", 3827.58 ], [ "2026-10-01", "HARKINS THEATRES MESA AZ", -37.68, "Entertainment", 3789.9 ], [ "2026-10-01", "MESA PALMS RESIDENTIAL RENT WEB", -1450, "Rent", 2339.9 ], [ "2026-10-01", "DOORDASH*PANDA EXPRESS", -21.75, "Restaurants", 2318.15 ], [ "2026-10-02", "SAFEWAY #1739 MESA AZ", -38.98, "Groceries", 2279.17 ], [ "2026-10-03", "ZELLE FROM DRY WASH HEATING & COOLING LLC", 1196.25, "Transfer in: P2P", 3475.42 ], [ "2026-10-04", "FRYS FOOD #0041 MESA AZ", -57.65, "Groceries", 3417.77 ], [ "2026-10-04", "IN-N-OUT MESA #146", -16.16, "Restaurants", 3401.61 ], [ "2026-10-04", "DOORDASH*CHIPOTLE", -24.42, "Restaurants", 3377.19 ], [ "2026-10-05", "PROGRESSIVE *INSURANCE", -142.18, "Insurance", 3235.01 ], [ "2026-10-06", "SAFEWAY #1739 MESA AZ", -43.24, "Groceries", 3191.77 ] ] } }, "device_and_session": { "device_id": "dev_c3d1885e07fa", "device_type": "Mobile phone", "os": "Android 16", "browser": "Chrome 141", "language": "en-US", "timezone": "America/Phoenix", "local_time_at_submission": "2026-10-07T11:01:47-07:00", "ip_address": "198.51.100.77", "ip_type": "Mobile carrier", "ip_location": "Phoenix metro, AZ", "distance_from_home_address_miles": "Under 25 (carrier region)", "proxy_vpn_tor_or_hosting": "None detected", "fingerprint_integrity": "Consistent; no spoofing detected", "remote_access_software": "None detected", "first_seen_at_our_bank": "This session", "duration_seconds": 638, "median_duration_seconds_for_this_form": 690, "fields_typed": 9, "fields_pasted": 0, "fields_autofilled": 5, "times_left_page": 0, "events": { "columns": [ "offset_s", "page", "field", "event", "detail" ], "rows": [ [ 0, "Your loan", "", "page_view", "" ], [ 77.8, "Your loan", "loan_amount", "typed", "5 characters in 1.1 s, 0 corrections" ], [ 79.9, "Your loan", "term", "selected", "48 months" ], [ 82.5, "Your loan", "purpose", "selected", "Debt consolidation" ], [ 85.1, "About you", "", "page_view", "" ], [ 137.8, "About you", "first_name", "autofilled", "Browser autofill" ], [ 139.7, "About you", "last_name", "autofilled", "Browser autofill" ], [ 144.3, "About you", "date_of_birth", "typed", "10 characters in 2.3 s, 0 corrections" ], [ 148, "About you", "ssn", "typed", "9 characters in 1.9 s, 0 corrections" ], [ 149.8, "About you", "email", "autofilled", "Browser autofill" ], [ 151, "About you", "mobile_phone", "autofilled", "Browser autofill" ], [ 152.5, "Where you live", "", "page_view", "" ], [ 218.8, "Where you live", "home_address", "autofilled", "Browser autofill" ], [ 221.8, "Where you live", "housing_payment", "typed", "4 characters in 0.9 s, 0 corrections" ], [ 224.4, "Income", "", "page_view", "" ], [ 277.6, "Income", "employer", "typed", "27 characters in 6.5 s, 2 corrections" ], [ 283.8, "Income", "job_title", "typed", "15 characters in 3.3 s, 0 corrections" ], [ 288.2, "Income", "employer_phone", "typed", "10 characters in 2.3 s, 0 corrections" ], [ 292.1, "Income", "start_date", "typed", "7 characters in 1.7 s, 1 correction" ], [ 295.2, "Income", "annual_income", "typed", "5 characters in 1.2 s, 0 corrections" ], [ 297.3, "Documents", "", "page_view", "" ], [ 343, "Documents", "pay_stubs", "uploaded", "3 PDF files from the phone's Downloads folder" ], [ 381.4, "Bank account", "", "page_view", "" ], [ 475.4, "Bank account", "account_link", "account_linked", "Credit union, checking x0417; signed in on first attempt" ], [ 544.8, "Review", "", "page_view", "" ], [ 635.3, "Review", "consents", "checked", "Credit check, e-sign and account-link consents" ], [ 637.5, "Review", "submit", "clicked", "Submit" ] ] } }, "velocity_and_consortium": { "our_bank_last_90_days": { "same_device_other_applications": 0, "same_phone_or_email_other_applications": 0, "same_ip_other_applications_last_30_days": 0, "same_bank_account_other_applications": 0, "same_address_other_applications": 0 }, "lending_consortium": { "applications_with_this_ssn": { "last_7_days": 1, "last_30_days": 2, "last_90_days": 2 }, "recent": { "columns": [ "date", "member_type", "product", "same_phone", "same_email", "same_address", "stated_employer", "stated_income_usd", "outcome" ], "rows": [ [ "2026-10-01", "Online lender", "Personal loan", true, true, true, "Same", 86000, "Declined" ], [ "2026-10-03", "Online lender", "Personal loan", true, true, true, "Same", 78000, "Pending" ] ] }, "this_bank_account_with_other_names_or_ssns_last_30_days": 0, "this_phone_or_email_with_other_names": 0, "confirmed_fraud_reports_on_this_ssn": 0 } }, "rules_fired": [ { "rule": "LN-201", "description": "Current employer not found in the employment database" }, { "rule": "LN-203", "description": "Under 90 days at current employer" }, { "rule": "LN-221", "description": "Income deposits by person-to-person transfer, not payroll" }, { "rule": "LN-306", "description": "Pay stub matches an online generator template" }, { "rule": "LN-308", "description": "Pay stubs produced more than 3 days after their pay dates" }, { "rule": "LN-312", "description": "2 or more personal loan inquiries in 14 days" }, { "rule": "LN-318", "description": "Revolving utilization above 75%, up from under 30% in 6 months" }, { "rule": "LN-415", "description": "Stated income differs by more than 5% from another application in 30 days ($86,000 on 2026-10-01)" } ], "decision_request": { "stage": "Fraud screen before the credit decision; all automated checks returned", "requested_at": "2026-10-07T18:01:56Z", "next_step": "Credit decision by our underwriting model and policy, then a signed loan agreement; funds go out by ACH the next business day after signing." } }, "questions": { "fraud_likelihood": { "type": "score", "instructions": "How likely is it that this application is fraudulent: made with a stolen or synthetic identity, or with the income, employment, documents, debts or bank account misrepresented to get credit? Judge the honesty of the application, not whether the applicant could repay a loan made on true facts.", "criteria": [ "Very unlikely (under 10%)", "Unlikely (10-40%)", "Uncertain (40-60%)", "Likely (60-90%)", "Very likely (over 90%)" ] }, "problems": { "type": "multi_choice", "instructions": "Which of these problems does the evidence show in this application? Choose every one that applies, and none if none does.", "criteria": { "income_overstated": "The stated income, from all sources together, is more than about 15% above what pay records, deposits or tax records support, comparing gross pay with gross pay", "employer_unverifiable": "No source independent of the applicant (employment or payroll records, or a phone number found independently) confirms that the person named on the application works for the stated employer, or those sources contradict it", "document_altered": "A pay stub, bank statement, tax form or ID the applicant uploaded was edited after it was produced, or is fabricated", "stolen_identity": "Someone is applying as a real person without that person's knowledge", "synthetic_identity": "The identity is fabricated from a mix of real and invented details, with a credit file built recently or on strangers' authorized-user cards", "loan_stacking": "The applicant has taken out or applied for several other loans or cards in the last 30 days, beyond normal rate shopping, and hasn't disclosed them", "bank_account_not_applicants": "The bank account connected to verify income, or chosen to receive the loan, belongs to someone other than the person named on the application" } }, "income_supported": { "type": "noul", "instructions": "Do the deposits in the applicant's connected bank account support the income stated on the application? Take-home pay is usually 65 to 80 percent of gross pay. Answer no if deposits from the stated sources are clearly lower than the stated income would produce, come from a different payer, or aren't in an account the applicant owns." }, "action": { "type": "choice", "instructions": "This is the fraud screen before the credit decision, not the credit decision itself. What should the fraud screen do with this application now?", "criteria": { "proceed": "Proceed: send the application on to the credit decision with no fraud hold", "verify_income": "Verify income: hold the application until income and employment are confirmed independently, by a call to the employer at a number we find ourselves, a payroll account connection, or IRS tax transcripts (Form 4506-C)", "verify_identity": "Verify identity: hold the application until the applicant passes document and selfie verification and confirms the application at a phone number from the credit file, not the one on the application", "decline": "Decline the application for fraud" } } } }