{
  "model": "grayson-1",
  "state": {
    "lender": "Our bank (U.S. bank): unsecured personal loans, applied for online",
    "application": {
      "id": "pl_8QV31K",
      "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": "Web (desktop)",
      "started_at": "2026-10-06T07:34:08Z",
      "submitted_at": "2026-10-06T07:36:52Z",
      "applicant": {
        "name": "Steven M. Haldane",
        "date_of_birth": "1969-04-22",
        "age": 57,
        "ssn": "xxx-xx-4418",
        "citizenship": "U.S. citizen"
      },
      "home_address": "1418 Larkspur Ct, Naperville, IL 60565",
      "time_at_address": "10 years or more",
      "housing": {
        "status": "Own, with a mortgage",
        "monthly_payment_usd": 2400
      },
      "email": "steven.haldane1969@example.com",
      "mobile_phone": "(312) 555-0174",
      "employment": {
        "status": "Employed full time",
        "employer": "Corvane Logistics Group",
        "employer_address": "Aurora, IL",
        "employer_phone": "(312) 555-0190",
        "job_title": "Operations Manager",
        "start_date": "2011-03",
        "pay_frequency": "Every two weeks",
        "gross_annual_income_usd": 214000
      },
      "other_income": "None",
      "total_gross_annual_income_usd": 214000,
      "loan_request": {
        "amount_usd": 40000,
        "term_months": 60,
        "purpose": "Home improvement",
        "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 2004",
      "identity_first_reported": "1987-09",
      "ssn": "Valid; issued 1984 to 1986, before randomization, consistent with the date of birth; 1 name and 1 date of birth associated; no Death Master File match",
      "address_history": [
        {
          "address": "1418 Larkspur Ct, Naperville, IL 60565",
          "first_reported": "2004-06",
          "last_reported": "2026-09",
          "sources": 6
        },
        {
          "address": "Aurora, IL 60506",
          "first_reported": "1996-03",
          "last_reported": "2004-05",
          "sources": 3
        }
      ],
      "phones_in_identity_records": [
        {
          "phone": "(630) 555-0129",
          "type": "Mobile",
          "first_reported": "2009-02",
          "last_reported": "2026-09"
        },
        {
          "phone": "(630) 555-0172",
          "type": "Landline",
          "first_reported": "2004-06",
          "last_reported": "2019-11"
        }
      ],
      "emails_in_identity_records": [
        {
          "email": "shaldane@example.net",
          "first_reported": "2006-01",
          "last_reported": "2026-09"
        }
      ],
      "application_phone": "(312) 555-0174: not in any record for this identity",
      "application_email": "steven.haldane1969@example.com: not in any record for this identity",
      "email_check": {
        "first_seen": "2026-10-02",
        "domain_type": "Free webmail",
        "name_match": "Full name match",
        "appears_in_known_data_breaches": 0,
        "deliverable": true,
        "risk_score": {
          "score": 811,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "Email first seen 4 days ago",
            "No online history"
          ]
        }
      },
      "phone_check": {
        "line_type": "Non-fixed VoIP",
        "carrier": "Internet calling provider",
        "first_seen": "2026-09-30",
        "subscriber_name": "Not available",
        "ported_last_90_days": false,
        "sms_one_time_code": "Delivered and entered correctly",
        "risk_score": {
          "score": 790,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "Non-fixed VoIP",
            "Phone first seen 6 days ago",
            "Not linked to the identity"
          ]
        }
      },
      "identity_theft_score": {
        "score": 902,
        "scale": "0-999, higher is riskier",
        "reasons": [
          "Email and phone not linked to the identity",
          "Email created in the last 7 days",
          "Device location far from the identity's address",
          "Fraud alert on file"
        ]
      }
    },
    "credit_file": {
      "pulled_at": "2026-10-06T07:36:55Z",
      "pull_type": "Hard inquiry, with the applicant's consent, for this loan",
      "file_created": "1987-09",
      "name_on_file": "STEVEN M HALDANE",
      "also_known_as": [],
      "employment_on_file": "CORVANE LOGISTICS GROUP (reported 2023-04)",
      "score": {
        "model": "Generic risk score, 300-850",
        "value": 806,
        "factors": [
          "Too many accounts with balances",
          "Total of balances on installment accounts is too high"
        ]
      },
      "alerts_and_freezes": {
        "fraud_alert": "Initial fraud alert added 2026-09-03 at the consumer's request, expires 2027-09-03. Consumer statement: 'My information was in a data breach. Call me at (630) 555-0129 before opening any credit.'",
        "security_freeze": "None",
        "active_duty_alert": "None"
      },
      "summary": {
        "file_age_years": 39,
        "tradelines_total": 9,
        "tradelines_open": 7,
        "authorized_user_tradelines": 0,
        "revolving_limit_usd": 93500,
        "revolving_balance_usd": 3812,
        "revolving_utilization_pct": 4.1,
        "installment_balance_usd": 206148,
        "monthly_payments_on_file_usd": 2529,
        "accounts_opened_last_6_months": 0,
        "accounts_opened_last_12_months": 0,
        "hard_inquiries_last_30_days": 1,
        "hard_inquiries_last_90_days": 1,
        "hard_inquiries_last_12_months": 1,
        "late_payments_last_24_months": 0,
        "collections": 0,
        "public_records": 0
      },
      "tradelines": [
        {
          "creditor_type": "Mortgage",
          "account": "x2207",
          "ownership": "Joint",
          "opened": "2015-06",
          "original_amount_usd": 312000,
          "term_months": 360,
          "monthly_payment_usd": 1648,
          "balance_usd": 189408,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC"
        },
        {
          "creditor_type": "Auto loan (auto finance company)",
          "account": "x9184",
          "ownership": "Joint",
          "opened": "2023-04",
          "original_amount_usd": 41200,
          "term_months": 60,
          "monthly_payment_usd": 742,
          "balance_usd": 16740,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC"
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x4410",
          "ownership": "Individual",
          "opened": "1996-02",
          "credit_limit_usd": 25000,
          "balance_usd": 544,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            544,
            456,
            621,
            1209,
            1285,
            1100,
            487,
            728,
            1189,
            1193,
            512,
            445,
            1099,
            779,
            859,
            509,
            469,
            553,
            1228,
            1262,
            953,
            1457,
            1293,
            935
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x8832",
          "ownership": "Individual",
          "opened": "2009-08",
          "credit_limit_usd": 18000,
          "balance_usd": 1028,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            1028,
            1684,
            1427,
            692,
            1862,
            1038,
            1176,
            995,
            1937,
            1875,
            567,
            2159,
            1602,
            1728,
            1207,
            937,
            2134,
            567,
            1824,
            1299,
            950,
            624,
            1431,
            1689
          ]
        },
        {
          "creditor_type": "Credit union credit card",
          "account": "x0577",
          "ownership": "Individual",
          "opened": "2014-05",
          "credit_limit_usd": 12000,
          "balance_usd": 72,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            72,
            175,
            342,
            341,
            247,
            137,
            0,
            292,
            192,
            169,
            326,
            78,
            171,
            313,
            247,
            166,
            67,
            274,
            183,
            249,
            180,
            102,
            244,
            180
          ]
        },
        {
          "creditor_type": "Bank credit card (travel rewards)",
          "account": "x6120",
          "ownership": "Individual",
          "opened": "2019-10",
          "credit_limit_usd": 30000,
          "balance_usd": 1974,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            1974,
            4437,
            1405,
            3997,
            1694,
            2642,
            3018,
            3869,
            3734,
            1665,
            2773,
            2149,
            1411,
            2863,
            3561,
            1779,
            2030,
            3910,
            1926,
            3910,
            3177,
            2110,
            1411,
            2327
          ]
        },
        {
          "creditor_type": "Retail store card (home improvement)",
          "account": "x3301",
          "ownership": "Individual",
          "opened": "2017-03",
          "credit_limit_usd": 8500,
          "balance_usd": 194,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            194,
            0,
            498,
            573,
            112,
            571,
            658,
            401,
            110,
            267,
            432,
            0,
            79,
            276,
            138,
            582,
            388,
            520,
            210,
            491,
            216,
            42,
            0,
            189
          ]
        },
        {
          "creditor_type": "Auto loan (auto finance company)",
          "account": "x5528",
          "ownership": "Individual",
          "opened": "2018-07",
          "closed": "2023-04",
          "original_amount_usd": 33800,
          "term_months": 60,
          "monthly_payment_usd": 612,
          "balance_usd": 0,
          "status": "Closed, paid as agreed",
          "last_reported": "2023-04"
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x7716",
          "ownership": "Individual",
          "opened": "2004-01",
          "closed": "2021-02",
          "credit_limit_usd": 9000,
          "balance_usd": 0,
          "status": "Closed at the consumer's request",
          "last_reported": "2021-02"
        }
      ],
      "inquiries_last_24_months": [
        {
          "date": "2024-11-14",
          "industry": "Bank credit card"
        },
        {
          "date": "2026-10-05",
          "industry": "Personal loan (online lender)"
        }
      ]
    },
    "employment_verification": {
      "employment_database": {
        "searched_at": "2026-10-06T07:36:57Z",
        "result": "Found",
        "employer": "CORVANE LOGISTICS GROUP",
        "employee": "STEVEN M HALDANE, SSN matches",
        "status": "Active",
        "hire_date": "2011-03-14",
        "job_title": "Operations Manager",
        "pay_frequency": "Biweekly",
        "base_pay": "$121,500.00 a year",
        "last_pay_date": "2026-10-02",
        "last_gross_pay_usd": 4673.08,
        "annual_gross_pay_usd": {
          "2024": 113412.5,
          "2025": 117940,
          "2026_to_date": 99461.6
        }
      },
      "stated_vs_database": "Stated $214,000 is 76% above the database's base pay of $121,500",
      "employer_phone_on_application": "(312) 555-0190: non-fixed VoIP, internet calling provider, first seen 2026-09-30; not a number listed for the employer",
      "employer_listed_main_number": "(630) 555-0110 (business directory and the employer's website)",
      "previous_employer": "Not asked (more than 2 years at current employer)",
      "verification_call": "Not attempted. We call employers only when the fraud screen holds an application for income verification."
    },
    "documents": {
      "uploaded": [
        {
          "file": "paystub_0918.pdf",
          "pages": 1,
          "produced_by": "A large payroll provider's employee pay statement system, 2026-09-16",
          "modified": "2026-10-05T23:48:12Z, in a desktop PDF editor",
          "tamper_findings": [
            "Text in the gross pay, net pay and year-to-date gross fields was replaced in the 2026-10-05 edit; those fields use a different embedded font from the rest of the stub",
            "Taxes and deductions are 19.8% of the stated gross; Social Security ($289.73) is 6.2% of $4,673.08, not of the stated gross $8,230.77",
            "Year-to-date Social Security ($5,876.89) is 6.2% of $94,788.52, not of the stated year-to-date gross $156,384.63"
          ],
          "extracted": {
            "employer": "Corvane Logistics Group, Aurora, IL",
            "employee": "Steven M Haldane",
            "employee_ssn_last4": "4418",
            "employee_address": "Naperville, IL",
            "pay_date": "2026-09-18",
            "pay_period": "2026-08-30 to 2026-09-12",
            "earnings": {
              "columns": [
                "type",
                "hours",
                "rate_usd",
                "amount_usd"
              ],
              "rows": [
                [
                  "Regular salary",
                  80,
                  null,
                  8230.77
                ]
              ]
            },
            "gross_pay_usd": 8230.77,
            "deductions": {
              "federal_income_tax_usd": 598.15,
              "illinois_income_tax_usd": 231.32,
              "social_security_usd": 289.73,
              "medicare_usd": 67.76,
              "401k_usd": 280.38,
              "medical_usd": 142.5,
              "dental_usd": 18.2
            },
            "net_pay_usd": 6602.73,
            "year_to_date": {
              "gross_usd": 156384.63,
              "social_security_usd": 5876.89,
              "medicare_usd": 1374.43,
              "401k_usd": 5687.31
            }
          }
        },
        {
          "file": "paystub_1002.pdf",
          "pages": 1,
          "produced_by": "A large payroll provider's employee pay statement system, 2026-09-30",
          "modified": "2026-10-05T23:57:40Z, in a desktop PDF editor",
          "tamper_findings": [
            "Same edits as paystub_0918.pdf: gross, net and year-to-date gross replaced, different font",
            "Social Security ($289.73) is 6.2% of $4,673.08, not of the stated gross $8,230.77"
          ],
          "extracted": {
            "employer": "Corvane Logistics Group, Aurora, IL",
            "employee": "Steven M Haldane",
            "employee_ssn_last4": "4418",
            "employee_address": "Naperville, IL",
            "pay_date": "2026-10-02",
            "pay_period": "2026-09-13 to 2026-09-26",
            "earnings": {
              "columns": [
                "type",
                "hours",
                "rate_usd",
                "amount_usd"
              ],
              "rows": [
                [
                  "Regular salary",
                  80,
                  null,
                  8230.77
                ]
              ]
            },
            "gross_pay_usd": 8230.77,
            "deductions": {
              "federal_income_tax_usd": 598.15,
              "illinois_income_tax_usd": 231.32,
              "social_security_usd": 289.73,
              "medicare_usd": 67.76,
              "401k_usd": 280.38,
              "medical_usd": 142.5,
              "dental_usd": 18.2
            },
            "net_pay_usd": 6602.73,
            "year_to_date": {
              "gross_usd": 164615.4,
              "social_security_usd": 6166.62,
              "medicare_usd": 1442.19,
              "401k_usd": 5967.7
            }
          }
        }
      ],
      "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": "2026-10-06T07:36:03Z",
      "link_method": "Instant account link: the applicant signed in to the bank's online banking",
      "used_for": "Income verification, the loan funds, and autopay of the loan",
      "institution": "Large national bank",
      "account": "Checking x3391, opened 2025-11",
      "owner_on_account": {
        "names": [
          "COREY J LINDQVIST"
        ],
        "address": "Atlanta, GA 30315",
        "email": "cjlindq@example.net",
        "phone": "(404) 555-0119"
      },
      "owner_match_to_application": {
        "name": "No match",
        "address": "No match",
        "email": "No match",
        "phone": "No match"
      },
      "income_detected": [
        {
          "payer": "HARLOW GATE DIST PAYROLL",
          "type": "Payroll",
          "frequency": "Weekly",
          "deposits_90_days": 13,
          "first": "2026-07-10",
          "last": "2026-10-02",
          "average_usd": 659.13,
          "total_90_days_usd": 8568.64
        },
        {
          "payer": "FERNWAY LENDING",
          "type": "Loan disbursement (not income)",
          "frequency": "Once",
          "deposits_90_days": 1,
          "first": "2026-09-24",
          "last": "2026-09-24",
          "average_usd": 11500,
          "total_90_days_usd": 11500
        }
      ],
      "income_from_stated_employer": "None: no deposits from CORVANE LOGISTICS GROUP",
      "other_lender_activity": "One loan disbursement in: FERNWAY LENDING, $11,500.00 on 2026-09-24. No loan payments out.",
      "current_balance_usd": 2243.41,
      "average_daily_balance_90_days_usd": 1535.11,
      "lowest_balance_90_days_usd": 331.3,
      "overdrafts_or_nsf_90_days": 0,
      "cash_flow_by_month": {
        "columns": [
          "month",
          "credits_usd",
          "debits_usd"
        ],
        "rows": [
          [
            "2026-07 (from 07-08)",
            2634.09,
            1287.14
          ],
          [
            "2026-08",
            2861.95,
            2647.98
          ],
          [
            "2026-09",
            14245.69,
            13307.06
          ],
          [
            "2026-10 (to 10-05)",
            1566.91,
            2241.67
          ]
        ]
      },
      "transactions": {
        "note": "Posted items 2026-07-08 to 2026-10-05 from the account link; debits negative; balance computed back from the current balance",
        "columns": [
          "posted",
          "description",
          "amount_usd",
          "category",
          "balance_usd"
        ],
        "rows": [
          [
            "2026-07-08",
            "POPEYES 4410 ATLANTA GA",
            -15.68,
            "Restaurants",
            402.94
          ],
          [
            "2026-07-08",
            "DOORDASH*CHIPOTLE",
            -24.34,
            "Restaurants",
            378.6
          ],
          [
            "2026-07-09",
            "WENDYS #6612 ATLANTA GA",
            -7.04,
            "Restaurants",
            371.56
          ],
          [
            "2026-07-09",
            "PLAYSTATION NETWORK",
            -17.99,
            "Subscriptions",
            353.57
          ],
          [
            "2026-07-09",
            "WENDYS #6612 ATLANTA GA",
            -22.27,
            "Restaurants",
            331.3
          ],
          [
            "2026-07-10",
            "HARLOW GATE DIST PAYROLL PPD",
            649.71,
            "Income: payroll",
            981.01
          ],
          [
            "2026-07-10",
            "KROGER #0365 ATLANTA GA",
            -40.04,
            "Groceries",
            940.97
          ],
          [
            "2026-07-10",
            "DOORDASH*FIVE GUYS",
            -27.19,
            "Restaurants",
            913.78
          ],
          [
            "2026-07-10",
            "WAFFLE HOUSE 1287 ATLANTA GA",
            -25.02,
            "Restaurants",
            888.76
          ],
          [
            "2026-07-11",
            "ATM WITHDRAWAL 3010 MLK JR DR ATLANTA GA",
            -70.03,
            "Cash withdrawal",
            818.73
          ],
          [
            "2026-07-11",
            "ATM WITHDRAWAL 3010 MLK JR DR ATLANTA GA",
            -65.61,
            "Cash withdrawal",
            753.12
          ],
          [
            "2026-07-12",
            "POPEYES 4410 ATLANTA GA",
            -16.82,
            "Restaurants",
            736.3
          ],
          [
            "2026-07-12",
            "WENDYS #6612 ATLANTA GA",
            -14.74,
            "Restaurants",
            721.56
          ],
          [
            "2026-07-13",
            "WALMART SC #5243 ATLANTA GA",
            -29.44,
            "Shopping",
            692.12
          ],
          [
            "2026-07-13",
            "FAMILY DOLLAR #2214 ATLANTA GA",
            -50.08,
            "Groceries",
            642.04
          ],
          [
            "2026-07-13",
            "DOORDASH*WINGSTOP",
            -8.82,
            "Restaurants",
            633.22
          ],
          [
            "2026-07-14",
            "CHICK-FIL-A #01842 ATLANTA GA",
            -16.45,
            "Restaurants",
            616.77
          ],
          [
            "2026-07-14",
            "METRO BY T-MOBILE ATLANTA GA",
            -50,
            "Phone",
            566.77
          ],
          [
            "2026-07-16",
            "DOORDASH*FIVE GUYS",
            -14.5,
            "Restaurants",
            552.27
          ],
          [
            "2026-07-16",
            "WENDYS #6612 ATLANTA GA",
            -17.09,
            "Restaurants",
            535.18
          ],
          [
            "2026-07-17",
            "HARLOW GATE DIST PAYROLL PPD",
            612.33,
            "Income: payroll",
            1147.51
          ],
          [
            "2026-07-18",
            "CASH APP*TRANSFER FROM",
            85,
            "Transfer in: P2P",
            1232.51
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          ],
          [
            10.1,
            "Your loan",
            "term",
            "selected",
            "60 months"
          ],
          [
            12.8,
            "Your loan",
            "purpose",
            "selected",
            "Home improvement"
          ],
          [
            14,
            "About you",
            "",
            "page_view",
            ""
          ],
          [
            25.6,
            "About you",
            "first_name",
            "left_page",
            "switched to another window or app"
          ],
          [
            28.2,
            "About you",
            "first_name",
            "returned",
            "after 2.6 s"
          ],
          [
            28.7,
            "About you",
            "first_name",
            "pasted",
            "6 characters"
          ],
          [
            29.7,
            "About you",
            "last_name",
            "pasted",
            "7 characters"
          ],
          [
            31.1,
            "About you",
            "date_of_birth",
            "left_page",
            "switched to another window or app"
          ],
          [
            34.2,
            "About you",
            "date_of_birth",
            "returned",
            "after 3.1 s"
          ],
          [
            34.7,
            "About you",
            "date_of_birth",
            "pasted",
            "10 characters"
          ],
          [
            35.3,
            "About you",
            "ssn",
            "left_page",
            "switched to another window or app"
          ],
          [
            37.5,
            "About you",
            "ssn",
            "returned",
            "after 2.2 s"
          ],
          [
            37.9,
            "About you",
            "ssn",
            "pasted",
            "9 characters"
          ],
          [
            41.8,
            "About you",
            "email",
            "typed",
            "30 characters in 3.3 s, 0 corrections"
          ],
          [
            44.3,
            "About you",
            "mobile_phone",
            "typed",
            "10 characters in 1.1 s, 0 corrections"
          ],
          [
            47,
            "Where you live",
            "",
            "page_view",
            ""
          ],
          [
            57.7,
            "Where you live",
            "home_address",
            "left_page",
            "switched to another window or app"
          ],
          [
            60.5,
            "Where you live",
            "home_address",
            "returned",
            "after 2.8 s"
          ],
          [
            61,
            "Where you live",
            "home_address",
            "pasted",
            "38 characters"
          ],
          [
            62.5,
            "Where you live",
            "housing_payment",
            "typed",
            "4 characters in 0.6 s, 1 correction"
          ],
          [
            64.8,
            "Income",
            "",
            "page_view",
            ""
          ],
          [
            75.3,
            "Income",
            "employer",
            "typed",
            "24 characters in 2.6 s, 0 corrections"
          ],
          [
            78.7,
            "Income",
            "job_title",
            "typed",
            "18 characters in 1.9 s, 0 corrections"
          ],
          [
            81.4,
            "Income",
            "employer_phone",
            "typed",
            "10 characters in 1.1 s, 0 corrections"
          ],
          [
            83.9,
            "Income",
            "start_date",
            "typed",
            "7 characters in 0.8 s, 0 corrections"
          ],
          [
            87.2,
            "Income",
            "annual_income",
            "typed",
            "6 characters in 0.7 s, 0 corrections"
          ],
          [
            89.3,
            "Documents",
            "",
            "page_view",
            ""
          ],
          [
            103.7,
            "Documents",
            "pay_stubs",
            "uploaded",
            "2 PDF files from the computer's file system"
          ],
          [
            107.8,
            "Bank account",
            "",
            "page_view",
            ""
          ],
          [
            114.7,
            "Bank account",
            "account_link",
            "account_linked",
            "Large national bank, checking x3391; signed in on first attempt"
          ],
          [
            151,
            "Review",
            "",
            "page_view",
            ""
          ],
          [
            161.9,
            "Review",
            "consents",
            "checked",
            "Credit check, e-sign and account-link consents"
          ],
          [
            163.5,
            "Review",
            "submit",
            "clicked",
            "Submit"
          ]
        ]
      }
    },
    "velocity_and_consortium": {
      "our_bank_last_90_days": {
        "same_device_other_applications": {
          "count": 2,
          "detail": {
            "columns": [
              "date",
              "name_and_ssn",
              "address_state",
              "same_bank_account",
              "outcome"
            ],
            "rows": [
              [
                "2026-09-29",
                "Different name and SSN",
                "IL",
                true,
                "Declined: bank account owner didn't match"
              ],
              [
                "2026-10-02",
                "Different name and SSN",
                "WI",
                false,
                "Held for identity verification; not completed"
              ]
            ]
          }
        },
        "same_phone_or_email_other_applications": 0,
        "same_ip_other_applications_last_30_days": 2,
        "same_bank_account_other_applications": 1,
        "same_address_other_applications": 0
      },
      "lending_consortium": {
        "applications_with_this_ssn": {
          "last_7_days": 1,
          "last_30_days": 1,
          "last_90_days": 1
        },
        "recent": {
          "columns": [
            "date",
            "member_type",
            "product",
            "same_phone",
            "same_email",
            "same_address",
            "stated_employer",
            "stated_income_usd",
            "outcome"
          ],
          "rows": [
            [
              "2026-10-05",
              "Online lender",
              "Personal loan",
              true,
              true,
              true,
              "Same",
              214000,
              "Pending"
            ]
          ]
        },
        "this_bank_account_with_other_names_or_ssns_last_30_days": "2 applications at members under 2 other identities; 1 confirmed identity theft reported 2026-10-01 (loan funded 2026-09-24, victim disputed)",
        "this_phone_or_email_with_other_names": 0,
        "confirmed_fraud_reports_on_this_ssn": 0
      }
    },
    "rules_fired": [
      {
        "rule": "LN-104",
        "description": "Fraud alert on the credit file"
      },
      {
        "rule": "LN-111",
        "description": "Application phone and email not linked to the identity"
      },
      {
        "rule": "LN-118",
        "description": "Email first seen in the last 30 days"
      },
      {
        "rule": "LN-122",
        "description": "Non-fixed VoIP phone"
      },
      {
        "rule": "LN-207",
        "description": "Stated income more than 20% above the employment database (76%)"
      },
      {
        "rule": "LN-212",
        "description": "Employer phone on application isn't the employer's listed number"
      },
      {
        "rule": "LN-305",
        "description": "Uploaded document edited after it was produced"
      },
      {
        "rule": "LN-410",
        "description": "Connected account owner name doesn't match the applicant"
      },
      {
        "rule": "LN-414",
        "description": "Connected account used on applications under other identities"
      },
      {
        "rule": "LN-503",
        "description": "Device used on 2 or more applications under other identities in 30 days"
      },
      {
        "rule": "LN-509",
        "description": "Device location more than 250 miles from the home address"
      }
    ],
    "decision_request": {
      "stage": "Fraud screen before the credit decision; all automated checks returned",
      "requested_at": "2026-10-06T07:37:01Z",
      "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"
      }
    }
  }
}