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Loan-Level Information

Loan-Level Information

Information from payday loan providers

The FCA data comprise loan-level records for applications to U.K. payday loan providers from January 1, 2012, to December 31, 2013, including first-time https://personalbadcreditloans.net/reviews/payday-money-center-review/ and perform applications. For thirty-seven lenders running when you look at the pay day loan market, whom together constitute 99% of this total market by loan amount, the information includes documents of effective loan requests and loan performance (including info on standard and late repayments). Within these loan providers, extra data had been collected for eleven big loan providers whom together constitute roughly 90% of this market by loan volume. Information includes information on unsuccessful applications additionally the credit rating value assigned every single application. The information set also incorporates information regarding company credit choice processes, including other assessment procedures such as for example fraudulence testing. (more…)