{
  "model": "grayson-1",
  "state": {
    "lender": "Our bank (U.S. bank): unsecured personal loans, applied for online",
    "application": {
      "id": "pl_3HT90C",
      "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 (iPhone)",
      "started_at": "2026-10-05T00:58:21Z",
      "submitted_at": "2026-10-05T01:08:16Z",
      "applicant": {
        "name": "Renee M. Castellano",
        "date_of_birth": "1988-03-09",
        "age": 38,
        "ssn": "xxx-xx-2083",
        "citizenship": "U.S. citizen"
      },
      "home_address": "2207 Wexford Glen Dr, Apt 314, Charlotte, NC 28211",
      "time_at_address": "2 months",
      "previous_address": "Silver Oak Apartments, Matthews, NC 28105 (2019-06 to 2026-07)",
      "housing": {
        "status": "Rent",
        "monthly_payment_usd": 1685
      },
      "email": "renee.castellano@example.com",
      "mobile_phone": "(704) 555-0138",
      "employment": {
        "status": "Employed full time",
        "employer": "Larkhaven Regional Medical Center",
        "employer_address": "Charlotte, NC",
        "employer_phone": "(704) 555-0181",
        "job_title": "Registered Nurse II",
        "start_date": "2019-06",
        "pay_frequency": "Every two weeks",
        "gross_annual_income_usd": 82000
      },
      "other_income": [
        {
          "source": "Second job: per diem RN at Briar Hollow Surgery Center, since 2024-03",
          "gross_annual_income_usd": 22000
        }
      ],
      "total_gross_annual_income_usd": 104000,
      "loan_request": {
        "amount_usd": 18500,
        "term_months": 48,
        "purpose": "Debt consolidation",
        "funds_to": {
          "paid_directly_to_creditors": [
            {
              "card": "x4471",
              "amount_usd": 7940
            },
            {
              "card": "x0915",
              "amount_usd": 6910
            },
            {
              "card": "x2290",
              "amount_usd": 3620
            }
          ],
          "remainder_to_my_checking_usd": 30
        }
      },
      "loans_taken_in_last_60_days_not_on_credit_report": "Auto loan, September 2026, $512 a month",
      "existing_customer": "No"
    },
    "identity_verification": {
      "name_ssn_dob_address": "Match: name, SSN and date of birth appear together in credit-header records since 2006; application address reported by 1 source since 2026-09",
      "identity_first_reported": "2006-09",
      "ssn": "Valid; issued 1988 to 1990, before randomization, consistent with the date of birth; 2 names (current and maiden) and 1 date of birth associated; no Death Master File match",
      "address_history": [
        {
          "address": "2207 Wexford Glen Dr, Apt 314, Charlotte, NC 28211",
          "first_reported": "2026-09",
          "last_reported": "2026-09",
          "sources": 1
        },
        {
          "address": "Silver Oak Apartments, Matthews, NC 28105",
          "first_reported": "2019-07",
          "last_reported": "2026-08",
          "sources": 5
        },
        {
          "address": "Charlotte, NC 28205",
          "first_reported": "2012-04",
          "last_reported": "2019-06",
          "sources": 4
        }
      ],
      "usps_change_of_address": "Filed 2026-08-11, from Matthews, NC 28105 to the application address",
      "phones_in_identity_records": [
        {
          "phone": "(704) 555-0138",
          "type": "Mobile",
          "first_reported": "2014-03",
          "last_reported": "2026-09"
        }
      ],
      "emails_in_identity_records": [
        {
          "email": "renee.castellano@example.com",
          "first_reported": "2011-05",
          "last_reported": "2026-09"
        },
        {
          "email": "rpruitt88@example.net",
          "first_reported": "2007-02",
          "last_reported": "2015-10"
        }
      ],
      "application_phone": "(704) 555-0138: in this identity's records since 2014",
      "application_email": "renee.castellano@example.com: in this identity's records since 2011",
      "email_check": {
        "first_seen": "2011-05-19",
        "domain_type": "Free webmail",
        "name_match": "Full name match",
        "appears_in_known_data_breaches": 3,
        "deliverable": true,
        "risk_score": {
          "score": 104,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "Long history"
          ]
        }
      },
      "phone_check": {
        "line_type": "Mobile",
        "carrier": "Major U.S. wireless carrier",
        "first_seen": "2014-03",
        "subscriber_name": "RENEE CASTELLANO (carrier record)",
        "ported_last_90_days": true,
        "port_detail": "Ported 2026-09-02 from another major carrier; no SIM change since",
        "sms_one_time_code": "Delivered and entered correctly",
        "risk_score": {
          "score": 288,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "Ported in the last 90 days"
          ]
        }
      },
      "identity_theft_score": {
        "score": 187,
        "scale": "0-999, higher is riskier",
        "reasons": [
          "Recent address change",
          "Recent phone port"
        ]
      }
    },
    "credit_file": {
      "pulled_at": "2026-10-05T01:08:19Z",
      "pull_type": "Hard inquiry, with the applicant's consent, for this loan",
      "file_created": "2006-09",
      "name_on_file": "RENEE M CASTELLANO",
      "also_known_as": [
        "RENEE M PRUITT (2006 to 2015)"
      ],
      "employment_on_file": "LARKHAVEN REGIONAL MEDICAL CENTER (reported 2024-02)",
      "score": {
        "model": "Generic risk score, 300-850",
        "value": 718,
        "factors": [
          "Proportion of balances to credit limits on revolving accounts is too high",
          "Too many inquiries in the last 12 months",
          "Recently opened installment account"
        ]
      },
      "alerts_and_freezes": {
        "fraud_alert": "None",
        "security_freeze": "None",
        "active_duty_alert": "None"
      },
      "summary": {
        "file_age_years": 20,
        "tradelines_total": 8,
        "tradelines_open": 6,
        "authorized_user_tradelines": 0,
        "revolving_limit_usd": 36000,
        "revolving_balance_usd": 19985,
        "revolving_utilization_pct": 55.5,
        "installment_balance_usd": 28400,
        "monthly_payments_on_file_usd": 931,
        "accounts_opened_last_6_months": 1,
        "accounts_opened_last_12_months": 2,
        "hard_inquiries_last_30_days": 3,
        "hard_inquiries_last_90_days": 3,
        "hard_inquiries_last_12_months": 4,
        "late_payments_last_24_months": 0,
        "collections": 0,
        "public_records": 0
      },
      "tradelines": [
        {
          "creditor_type": "Auto loan (auto finance company)",
          "account": "x7720",
          "ownership": "Individual",
          "opened": "2021-03",
          "closed": "2026-09",
          "original_amount_usd": 22500,
          "term_months": 60,
          "monthly_payment_usd": 412,
          "balance_usd": 0,
          "status": "Closed, paid in full",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC"
        },
        {
          "creditor_type": "Auto loan (auto finance company)",
          "account": "x1846",
          "ownership": "Individual",
          "opened": "2026-09",
          "original_amount_usd": 28400,
          "term_months": 72,
          "monthly_payment_usd": 512,
          "balance_usd": 28400,
          "status": "Open, current; first payment due 2026-10-28",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "C-----------------------"
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x4471",
          "ownership": "Individual",
          "opened": "2012-04",
          "credit_limit_usd": 12000,
          "balance_usd": 7940,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            7940,
            7512,
            5208,
            4630,
            3893,
            4028,
            3716,
            3943,
            3741,
            3726,
            3315,
            3513,
            2874,
            3144,
            3145,
            3839,
            3318,
            2972,
            3536,
            2799,
            3393,
            3672,
            3471,
            3590
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x0915",
          "ownership": "Individual",
          "opened": "2016-09",
          "credit_limit_usd": 9500,
          "balance_usd": 6910,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            6910,
            6655,
            4401,
            3028,
            3810,
            3069,
            2961,
            3873,
            3158,
            2970,
            3930,
            3462,
            2865,
            3280,
            3324,
            3362,
            2993,
            3069,
            3388,
            2888,
            2948,
            3216,
            3096,
            3582
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x2290",
          "ownership": "Individual",
          "opened": "2020-01",
          "credit_limit_usd": 6000,
          "balance_usd": 3620,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            3620,
            3418,
            970,
            1413,
            1103,
            689,
            810,
            1367,
            800,
            697,
            1288,
            1109,
            939,
            1215,
            1459,
            946,
            1244,
            1350,
            606,
            786,
            1409,
            1155,
            1018,
            1328
          ]
        },
        {
          "creditor_type": "Credit union credit card",
          "account": "x6604",
          "ownership": "Individual",
          "opened": "2014-02",
          "credit_limit_usd": 3500,
          "balance_usd": 245,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            245,
            37,
            183,
            138,
            304,
            41,
            386,
            281,
            370,
            319,
            201,
            238,
            320,
            296,
            256,
            264,
            110,
            31,
            61,
            405,
            92,
            54,
            335,
            62
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x3318",
          "ownership": "Individual",
          "opened": "2025-12",
          "credit_limit_usd": 5000,
          "balance_usd": 1270,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCC--------------",
          "statement_balances_24m_newest_first": [
            1270,
            684,
            665,
            380,
            422,
            898,
            620,
            875,
            313,
            969,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null
          ]
        },
        {
          "creditor_type": "Student loan (federal servicer)",
          "account": "x0921",
          "ownership": "Individual",
          "opened": "2006-09",
          "closed": "2018-05",
          "original_amount_usd": 18400,
          "term_months": 120,
          "monthly_payment_usd": 196,
          "balance_usd": 0,
          "status": "Closed, paid as agreed",
          "last_reported": "2018-05"
        }
      ],
      "inquiries_last_24_months": [
        {
          "date": "2025-12-08",
          "industry": "Bank credit card"
        },
        {
          "date": "2026-09-12",
          "industry": "Auto finance"
        },
        {
          "date": "2026-09-12",
          "industry": "Auto finance"
        },
        {
          "date": "2026-09-13",
          "industry": "Auto finance"
        }
      ]
    },
    "employment_verification": {
      "employment_database": {
        "searched_at": "2026-10-05T01:08:21Z",
        "result": "Found",
        "employer": "LARKHAVEN REGIONAL MEDICAL CENTER",
        "employee": "RENEE M CASTELLANO, SSN matches",
        "status": "Active",
        "hire_date": "2019-06-10",
        "job_title": "RN II",
        "pay_frequency": "Biweekly",
        "base_pay": "$39.38 an hour; 80 scheduled hours a pay period",
        "annualized_base_pay_usd": 81910.4,
        "last_pay_date": "2026-09-25",
        "annual_gross_pay_usd": {
          "2024": 81630.12,
          "2025": 86214.77,
          "2026_to_date": 69365.36
        }
      },
      "second_employer_in_database": "BRIAR HOLLOW SURGERY CENTER: not found (the database doesn't cover this employer)",
      "stated_vs_database": "Stated total $104,000 is 27% above the database's annualized base pay of $81,910 for the main employer",
      "employer_phone_on_application": "(704) 555-0181: the hospital's listed main number",
      "second_employer_checks": {
        "business_registry": "Briar Hollow Surgery Center, LLC: active, formed 2009",
        "state_facility_license": "Ambulatory surgical center, licensed",
        "listed_phone": "(704) 555-0146"
      },
      "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": "Larkhaven_paystub_0911.pdf",
          "pages": 1,
          "produced_by": "A large payroll provider's employee pay statement system, 2026-09-09",
          "modified": "Not modified after it was produced",
          "tamper_findings": [],
          "extracted": {
            "employer": "Larkhaven Regional Medical Center, Charlotte, NC",
            "employee": "Renee M Castellano",
            "employee_ssn_last4": "2083",
            "employee_address": "Matthews, NC (her previous address)",
            "pay_date": "2026-09-11",
            "pay_period": "2026-08-23 to 2026-09-05",
            "earnings": {
              "columns": [
                "type",
                "hours",
                "rate_usd",
                "amount_usd"
              ],
              "rows": [
                [
                  "Regular",
                  80,
                  39.38,
                  3150.4
                ],
                [
                  "Night differential",
                  36,
                  3.5,
                  126
                ],
                [
                  "Weekend differential",
                  12,
                  2.25,
                  27
                ]
              ]
            },
            "gross_pay_usd": 3303.4,
            "deductions": {
              "403b_usd": 165.17,
              "medical_usd": 96.4,
              "dental_usd": 9.8,
              "federal_income_tax_usd": 327.46,
              "nc_income_tax_usd": 120.98,
              "social_security_usd": 198.23,
              "medicare_usd": 46.36
            },
            "net_pay_usd": 2339,
            "year_to_date": {
              "gross_usd": 66076.96,
              "403b_usd": 3303.85
            }
          }
        },
        {
          "file": "Larkhaven_paystub_0925.pdf",
          "pages": 1,
          "produced_by": "A large payroll provider's employee pay statement system, 2026-09-23",
          "modified": "Not modified after it was produced",
          "tamper_findings": [],
          "extracted": {
            "employer": "Larkhaven Regional Medical Center, Charlotte, NC",
            "employee": "Renee M Castellano",
            "employee_ssn_last4": "2083",
            "employee_address": "Charlotte, NC 28211",
            "pay_date": "2026-09-25",
            "pay_period": "2026-09-06 to 2026-09-19",
            "earnings": {
              "columns": [
                "type",
                "hours",
                "rate_usd",
                "amount_usd"
              ],
              "rows": [
                [
                  "Regular",
                  80,
                  39.38,
                  3150.4
                ],
                [
                  "Night differential",
                  24,
                  3.5,
                  84
                ],
                [
                  "Weekend differential",
                  24,
                  2.25,
                  54
                ]
              ]
            },
            "gross_pay_usd": 3288.4,
            "deductions": {
              "403b_usd": 164.42,
              "medical_usd": 96.4,
              "dental_usd": 9.8,
              "federal_income_tax_usd": 325.92,
              "nc_income_tax_usd": 120.41,
              "social_security_usd": 197.3,
              "medicare_usd": 46.14
            },
            "net_pay_usd": 2328.01,
            "year_to_date": {
              "gross_usd": 69365.36,
              "403b_usd": 3468.27
            }
          }
        },
        {
          "file": "BriarHollow_0930.pdf",
          "pages": 1,
          "produced_by": "A small-business payroll service's pay statement system, 2026-09-29",
          "modified": "Not modified after it was produced",
          "tamper_findings": [],
          "extracted": {
            "employer": "Briar Hollow Surgery Center, Charlotte, NC",
            "employee": "Renee M Castellano",
            "employee_ssn_last4": "2083",
            "employee_address": "Charlotte, NC 28211",
            "pay_date": "2026-09-30",
            "pay_period": "2026-09-16 to 2026-09-30",
            "earnings": {
              "columns": [
                "type",
                "hours",
                "rate_usd",
                "amount_usd"
              ],
              "rows": [
                [
                  "Per diem shift (12 h)",
                  24,
                  58,
                  1392
                ]
              ]
            },
            "gross_pay_usd": 1392,
            "deductions": {
              "federal_income_tax_usd": 167.04,
              "nc_income_tax_usd": 55.54,
              "social_security_usd": 86.3,
              "medicare_usd": 20.18
            },
            "net_pay_usd": 1062.94,
            "year_to_date": {
              "gross_usd": 16704
            }
          }
        }
      ],
      "consistency": "Net pay on each stub matches a payroll deposit in the connected account to the cent",
      "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": "2026-10-05T01:05:57Z",
      "link_method": "Instant account link: the applicant signed in to the credit union's online banking",
      "used_for": "Income verification, any loan funds not paid to creditors, and autopay of the loan",
      "institution": "Credit union, North Carolina",
      "account": "Checking x5502, opened 2012-05",
      "owner_on_account": {
        "names": [
          "RENEE M CASTELLANO"
        ],
        "address": "2207 Wexford Glen Dr Apt 314, Charlotte, NC 28211",
        "email": "renee.castellano@example.com",
        "phone": "(704) 555-0138"
      },
      "owner_match_to_application": {
        "name": "Match",
        "address": "Match",
        "email": "Match",
        "phone": "Match"
      },
      "income_detected": [
        {
          "payer": "LARKHAVEN REGIONAL MC PAYROLL",
          "type": "Payroll",
          "frequency": "Every two weeks",
          "deposits_90_days": 6,
          "first": "2026-07-17",
          "last": "2026-09-25",
          "average_usd": 2452.27,
          "total_90_days_usd": 14713.6
        },
        {
          "payer": "BRIAR HOLLOW SURGERY PAYROLL",
          "type": "Payroll",
          "frequency": "Twice a month, varying",
          "deposits_90_days": 6,
          "first": "2026-07-15",
          "last": "2026-09-30",
          "average_usd": 797.21,
          "total_90_days_usd": 4783.23
        }
      ],
      "income_from_stated_employer": "Yes: LARKHAVEN REGIONAL MC every two weeks, and BRIAR HOLLOW SURGERY (the stated second job) twice a month",
      "other_lender_activity": "Auto loan payments to x7720 through August; a $2,500.00 debit at QUEEN CITY AUTO SALES on 2026-09-13. No loan disbursements in.",
      "current_balance_usd": 3935.23,
      "average_daily_balance_90_days_usd": 3940.07,
      "lowest_balance_90_days_usd": -51.13,
      "overdrafts_or_nsf_90_days": 1,
      "cash_flow_by_month": {
        "columns": [
          "month",
          "credits_usd",
          "debits_usd"
        ],
        "rows": [
          [
            "2026-07 (from 07-06)",
            6734.62,
            6338.61
          ],
          [
            "2026-08",
            7967.29,
            4024.49
          ],
          [
            "2026-09",
            6261.42,
            7571.28
          ],
          [
            "2026-10 (to 10-04)",
            0,
            1968.05
          ]
        ]
      },
      "transactions": {
        "note": "Posted items 2026-07-06 to 2026-10-04 from the account link; debits negative; balance computed back from the current balance",
        "columns": [
          "posted",
          "description",
          "amount_usd",
          "category",
          "balance_usd"
        ],
        "rows": [
          [
            "2026-07-06",
            "GEICO *AUTO",
            -138.4,
            "Insurance",
            2735.93
          ],
          [
            "2026-07-06",
            "DOORDASH*WINGSTOP",
            -29.52,
            "Restaurants",
            2706.41
          ],
          [
            "2026-07-06",
            "ALDI 64021 CHARLOTTE NC",
            -46.05,
            "Groceries",
            2660.36
          ],
          [
            "2026-07-06",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -5.53,
            "Coffee",
            2654.83
          ],
          [
            "2026-07-07",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -8.22,
            "Coffee",
            2646.61
          ],
          [
            "2026-07-08",
            "AMAZON MKTPL*1LTS0T0X0",
            -86,
            "Shopping",
            2560.61
          ],
          [
            "2026-07-08",
            "DOORDASH*FIVE GUYS",
            -29.88,
            "Restaurants",
            2530.73
          ],
          [
            "2026-07-08",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -5.24,
            "Coffee",
            2525.49
          ],
          [
            "2026-07-08",
            "QT 1043 CHARLOTTE NC",
            -39.2,
            "Gas",
            2486.29
          ],
          [
            "2026-07-09",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -7.29,
            "Coffee",
            2479
          ],
          [
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          ],
          [
            "2026-09-15",
            "BRIAR HOLLOW SURGERY PAYROLL PPD",
            531.47,
            "Income: payroll",
            4573.07
          ],
          [
            "2026-09-15",
            "CAVA 0233 CHARLOTTE NC",
            -29.07,
            "Restaurants",
            4544
          ],
          [
            "2026-09-15",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -7.44,
            "Coffee",
            4536.56
          ],
          [
            "2026-09-15",
            "ALDI 64021 CHARLOTTE NC",
            -141.76,
            "Groceries",
            4394.8
          ],
          [
            "2026-09-15",
            "NETFLIX.COM",
            -15.49,
            "Subscriptions",
            4379.31
          ],
          [
            "2026-09-15",
            "GEICO *AUTO POLICY CHANGE",
            -26.75,
            "Insurance",
            4352.56
          ],
          [
            "2026-09-17",
            "HARRIS TEETER #0287 CHARLOTTE NC",
            -73.05,
            "Groceries",
            4279.51
          ],
          [
            "2026-09-17",
            "PLANET FITNESS CLUB FEES",
            -24.99,
            "Subscriptions",
            4254.52
          ],
          [
            "2026-09-17",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -5.69,
            "Coffee",
            4248.83
          ],
          [
            "2026-09-18",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -4.8,
            "Coffee",
            4244.03
          ],
          [
            "2026-09-18",
            "DUKE ENERGY PAYMENT",
            -119.09,
            "Utilities",
            4124.94
          ],
          [
            "2026-09-19",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -6.76,
            "Coffee",
            4118.18
          ],
          [
            "2026-09-19",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -5.31,
            "Coffee",
            4112.87
          ],
          [
            "2026-09-20",
            "ALDI 64021 CHARLOTTE NC",
            -65.03,
            "Groceries",
            4047.84
          ],
          [
            "2026-09-22",
            "AMAZON MKTPL*7QA8C5GVK",
            -86.98,
            "Shopping",
            3960.86
          ],
          [
            "2026-09-22",
            "CHARLOTTE WATER WEB PMT",
            -59.22,
            "Utilities",
            3901.64
          ],
          [
            "2026-09-22",
            "DOORDASH*WINGSTOP",
            -12.41,
            "Restaurants",
            3889.23
          ],
          [
            "2026-09-22",
            "ALDI 64021 CHARLOTTE NC",
            -37.25,
            "Groceries",
            3851.98
          ],
          [
            "2026-09-24",
            "CREDIT CARD PAYMENT x4471",
            -350,
            "Credit card payment",
            3501.98
          ],
          [
            "2026-09-24",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -5.68,
            "Coffee",
            3496.3
          ],
          [
            "2026-09-24",
            "QT 1043 CHARLOTTE NC",
            -38.15,
            "Gas",
            3458.15
          ],
          [
            "2026-09-25",
            "LARKHAVEN REGIONAL MC PAYROLL PPD",
            2328.01,
            "Income: payroll",
            5786.16
          ],
          [
            "2026-09-25",
            "CREDIT CARD PAYMENT x0915",
            -250,
            "Credit card payment",
            5536.16
          ],
          [
            "2026-09-26",
            "VERIZON WIRELESS PAYMENTS",
            -71.25,
            "Phone",
            5464.91
          ],
          [
            "2026-09-27",
            "FIREBIRDS CHARLOTTE NC",
            -36.33,
            "Restaurants",
            5428.58
          ],
          [
            "2026-09-27",
            "CREDIT CARD PAYMENT x2290",
            -120,
            "Credit card payment",
            5308.58
          ],
          [
            "2026-09-27",
            "AMAZON MKTPL*N7DDDD0F8",
            -103.05,
            "Shopping",
            5205.53
          ],
          [
            "2026-09-27",
            "TRANSFER TO SAVINGS x5503",
            -200,
            "Transfer: own savings",
            5005.53
          ],
          [
            "2026-09-29",
            "CHICK-FIL-A #02211 CHARLOTTE NC",
            -22.39,
            "Restaurants",
            4983.14
          ],
          [
            "2026-09-29",
            "HARRIS TEETER #0287 CHARLOTTE NC",
            -92.6,
            "Groceries",
            4890.54
          ],
          [
            "2026-09-29",
            "QT 1043 CHARLOTTE NC",
            -50.2,
            "Gas",
            4840.34
          ],
          [
            "2026-09-30",
            "BRIAR HOLLOW SURGERY PAYROLL PPD",
            1062.94,
            "Income: payroll",
            5903.28
          ],
          [
            "2026-10-01",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -5.49,
            "Coffee",
            5897.79
          ],
          [
            "2026-10-01",
            "WEXFORD GLEN APTS RENT WEB",
            -1685,
            "Rent",
            4212.79
          ],
          [
            "2026-10-02",
            "STARBUCKS STORE 12872 CHARLOTTE NC",
            -6.43,
            "Coffee",
            4206.36
          ],
          [
            "2026-10-02",
            "PUBLIX #1518 CHARLOTTE NC",
            -94.24,
            "Groceries",
            4112.12
          ],
          [
            "2026-10-03",
            "GEICO *AUTO",
            -164.9,
            "Insurance",
            3947.22
          ],
          [
            "2026-10-03",
            "SPOTIFY USA",
            -11.99,
            "Subscriptions",
            3935.23
          ]
        ]
      }
    },
    "device_and_session": {
      "device_id": "dev_9a07f3e61c28",
      "device_type": "Mobile phone",
      "os": "iOS 26",
      "browser": "Safari",
      "language": "en-US",
      "timezone": "America/New_York",
      "local_time_at_submission": "2026-10-04T21:08:16-04:00",
      "ip_address": "198.51.100.211",
      "ip_type": "Privacy relay (iCloud Private Relay egress)",
      "ip_location": "Charlotte, NC region",
      "distance_from_home_address_miles": "Under 25 (relay region)",
      "proxy_vpn_tor_or_hosting": "Privacy relay detected (a phone setting, not a VPN or hosting provider)",
      "fingerprint_integrity": "Consistent; no spoofing detected",
      "remote_access_software": "None detected",
      "first_seen_at_our_bank": "This session (device model released 2026-09)",
      "duration_seconds": 595,
      "median_duration_seconds_for_this_form": 690,
      "fields_typed": 11,
      "fields_pasted": 0,
      "fields_autofilled": 4,
      "times_left_page": 0,
      "events": {
        "columns": [
          "offset_s",
          "page",
          "field",
          "event",
          "detail"
        ],
        "rows": [
          [
            0,
            "Your loan",
            "",
            "page_view",
            ""
          ],
          [
            65.5,
            "Your loan",
            "loan_amount",
            "typed",
            "5 characters in 1.5 s, 1 correction"
          ],
          [
            67,
            "Your loan",
            "term",
            "selected",
            "48 months"
          ],
          [
            68.2,
            "Your loan",
            "purpose",
            "selected",
            "Debt consolidation"
          ],
          [
            70.7,
            "About you",
            "",
            "page_view",
            ""
          ],
          [
            117.5,
            "About you",
            "first_name",
            "autofilled",
            "iOS contact autofill"
          ],
          [
            119.2,
            "About you",
            "last_name",
            "autofilled",
            "iOS contact autofill"
          ],
          [
            122.9,
            "About you",
            "date_of_birth",
            "typed",
            "10 characters in 2.2 s, 0 corrections"
          ],
          [
            126.5,
            "About you",
            "ssn",
            "typed",
            "9 characters in 2.4 s, 1 correction"
          ],
          [
            129.1,
            "About you",
            "email",
            "autofilled",
            "iOS contact autofill"
          ],
          [
            130.4,
            "About you",
            "mobile_phone",
            "autofilled",
            "iOS contact autofill"
          ],
          [
            132,
            "Where you live",
            "",
            "page_view",
            ""
          ],
          [
            186.9,
            "Where you live",
            "home_address",
            "typed",
            "41 characters in 9.6 s, 2 corrections"
          ],
          [
            189.2,
            "Where you live",
            "housing_payment",
            "typed",
            "4 characters in 1.0 s, 0 corrections"
          ],
          [
            191.1,
            "Income",
            "",
            "page_view",
            ""
          ],
          [
            270.5,
            "Income",
            "employer",
            "typed",
            "33 characters in 7.8 s, 1 correction"
          ],
          [
            277.6,
            "Income",
            "job_title",
            "typed",
            "22 characters in 5.1 s, 0 corrections"
          ],
          [
            282.6,
            "Income",
            "employer_phone",
            "typed",
            "10 characters in 2.3 s, 0 corrections"
          ],
          [
            285.9,
            "Income",
            "start_date",
            "typed",
            "7 characters in 1.4 s, 0 corrections"
          ],
          [
            289.3,
            "Income",
            "annual_income",
            "typed",
            "5 characters in 1.1 s, 0 corrections"
          ],
          [
            305,
            "Income",
            "other_income",
            "typed",
            "58 characters in 13.8 s, 3 corrections"
          ],
          [
            306.4,
            "Documents",
            "",
            "page_view",
            ""
          ],
          [
            376.9,
            "Documents",
            "pay_stubs",
            "uploaded",
            "3 PDF files from the phone's Files app"
          ],
          [
            406.6,
            "Bank account",
            "",
            "page_view",
            ""
          ],
          [
            455.5,
            "Bank account",
            "account_link",
            "account_linked",
            "Credit union, checking x5502; signed in on second attempt (password typo)"
          ],
          [
            532,
            "Review",
            "",
            "page_view",
            ""
          ],
          [
            593.7,
            "Review",
            "consents",
            "checked",
            "Credit check, e-sign and account-link consents"
          ],
          [
            595.2,
            "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": "Not counted for privacy-relay addresses",
        "same_bank_account_other_applications": 0,
        "same_address_other_applications": 0
      },
      "lending_consortium": {
        "applications_with_this_ssn": {
          "last_7_days": 0,
          "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": [
            [
              "2026-09-13",
              "Auto lender",
              "Auto loan",
              true,
              true,
              true,
              "Same",
              104000,
              "Approved, funded"
            ]
          ]
        },
        "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-131",
        "description": "Application address reported by fewer than 2 sources"
      },
      {
        "rule": "LN-134",
        "description": "Phone ported in the last 90 days"
      },
      {
        "rule": "LN-207",
        "description": "Stated income more than 20% above the employment database (27%)"
      },
      {
        "rule": "LN-311",
        "description": "3 or more hard inquiries in 30 days"
      },
      {
        "rule": "LN-314",
        "description": "New installment account in the last 30 days"
      },
      {
        "rule": "LN-506",
        "description": "Proxy or privacy relay detected"
      }
    ],
    "decision_request": {
      "stage": "Fraud screen before the credit decision; all automated checks returned",
      "requested_at": "2026-10-05T01:08:25Z",
      "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"
      }
    }
  }
}