First-party clients

DateTimeEntered

For first-party clients, the system uses "DateTimeEntered" in the PayHistory table for cycle payment calculation for the current cycle, as well as the payment history profile. When the payment "DateTimeEntered" is greater than the last reported date, the payment qualifies for the cycle. If the account is reporting for the first time and the payment is within a 38-day window, the payment counts.

ActualPayment

"ActualPayment" only reflects transactions where "DateTimeEntered" is after the last reported date or within 38 days on accounts not reported for the current cycle. The system doesn't report reversals.

AmountPastDue

The system sets "AmountPastDue" and "CurrentBalance" to zero (0) for discharged, paid-off, and sold accounts.

CbrPrevent

The system sets the "CbrPrevent" flag on accounts that report as "DA" or "DF," or are sold ("PortfolioIndicator" is set to "2"). The system flags discharged bankruptcy, deceased primary debtor, and paid-in-full accounts after reporting. "GetNextMetro2" procedures exclude accounts flagged as "CbrPrevent." The system only sets the "CbrPrevent" flag when the Credit Bureau Reporting Wizard finalizes the report.

Buyback

The system supports buyback reporting for sold AIM accounts.

Notes

The system provides more detailed notes for post history processing.

Reverse charge-off accounts

The system places reverse charge-off accounts into a status that has the "CbrReport" flag set to "False" to prevent evaluation and reporting of these accounts. If these accounts return to a charge-off state, they are subject to reporting again. The bridge is responsible for setting the proper status when accounts return to a charge-off state.

Metro 2 reporting process upgrade

Customers can upgrade the Metro 2 reporting process mid-cycle with greater accuracy.

• If the system evaluates and updates accounts after the last report to credit bureaus, the system reprocesses the accounts. Note the following exceptions:

• Accounts with a status of "DA," "DF," or discharged bankruptcy that the system updated during the current cycle are subject to reporting on the first cycle reported after the upgrade. These accounts fall into the category of first-party reverse charge-off.

• Customers can identify these accounts and delete their pending data ("cbr_accounts" and "cbr_debtors") before generating the next report. The system regenerates the accounts that qualify during the next evaluation.

• Customers can delete all pending "cbr_accounts" and "cbr_debtors" after upgrading. The evaluation regenerates the pending file. We don't recommend using this option but it is available by default. Instead, we recommend that customers delete only those pending accounts that are in question and then review the results before reporting.

BillingDate

"BillingDate" now corresponds to the date the account sold in "aim_ledger" and "lastpaiddate" for paid or settled.

Bankruptcy accounts

The system appends a "D" to "paymenthistoryprofile" for bankruptcy accounts that are in a filed status for the period beginning with the date filed through the cycle end date.

Dismissed bankruptcies

Customers can delete dismissed bankruptcies. This removal is a one-time report of a "Q" status to credit bureaus for the information indicator code. The system returns the account status to "Active 97" when removing and deleting the bankruptcy from the Work Form.

Payment history profile calculation

Enhanced the payment history profile calculation to meet Metro 2 standards for bankruptcy reporting.

Data capture

Added a table and procedure to capture data that is critical to the evaluation at cycle end, which the system populates when generating the CBR report to send to credit bureaus.

CbrDatafx function

New "cbrDatafx" function returns a table result set containing all relevant data that the CBR evaluation process uses. "cbrPostHistory" now has a procedure call to capture the data points just after generating the credit bureau report for the end of business cycle. The system uses the data to predict the number and type of accounts that will report for the current cycle. The "cbrAuditDataCapture" procedure truncates and stores the current cycle data. The "CBR_Data_Compare" procedure compares the cycle end data with the current data and reports any changes that would trigger a report during the current cycle at the current point in time. Use this procedure for troubleshooting and estimating existing accounts that will report. Data comparison depends on new CBR functions slated for Latitude but are compatible with previous versions to provide the current data set.

dbo.CbrDataCycleEnd

[FileId]

,[CbrEnabled]

,[CbrPortfolioType]

,[CbrAccountType]

,[CbrMinBalance]

,[CbrWaitDays]

,[CbrCreditorClass]

,[CbrDefaultOriginalCreditor]

,[CbrUseAccountOriginalCreditor]

,[CbrUseCustomerOriginalCreditor]

,[CbrPrincipalOnly]

,[CbrIncludeCodebtors]

,[CbrDeleteReturns]

,[CbrIndustryCode]

,[CbrCustomercode]

,[CbrCustomerid]

,[CbrCustomerName]

,[CbrCustomerCreditorClass]

,[CbrCustomerOriginalCreditor]

,[CbrParmAbbrev]

,[CbrValueLookup]

,[Customer]

,[number]

,[Status]

,[qlevel]

,[receiveddate]

,[DelinquencyDate]

,[OriginalPrincipal]

,[original]

,[CurrentPrincipal]

,[CurrentBalance]

,[lastpaid]

,[OriginalCreditor]

,[ContractDate]

,[ConsumerAccountNumber]

,[SettlementID]

,[soldportfolio]

,[purchasedportfolio]

,[lastpaidamt]

,[CLIDLP]

,[specialnote]

,[cbrPrevent]

,[CbrOverride]

,[cbrextenddays]

,[PrvCbrException]

,[PersonalReceivership_Amortization]

,[StatusCbrReport]

,[StatusCbrDelete]

,[IsBankruptcy]

,[IsDeceased]

,[IsDisputed]

,[StatusIsPIF]

,[StatusIsSIF]

,[StatusIsFraud]

,[McoChargeoffnumber]

,[McoSecondaryAgencyIdenitifier]

,[McoSecondaryAccountNumber]

,[McoMortgageIdentificationNumber]

,[McoTermsDuration]

,[McoClosedDate]

,[McoChargeOffStatus]

,[McoChargeOffAmount]

,[McoPaymentHistoryProfile]

,[McoPaymentHistoryDate]

,[McoHighestCredit]

,[McoCreditLimit]

,[McoSpecialComment]

,[McoComplianceCondition]

,[portfolioid]

,[AimGroupSeller]

,[AimGroupBuyer]

,[PortfolioSoldDate]

,[debtornumber]

,[PrimaryDebtorID]

,[DebtorID]

,[Debtorseq]

,[Debtorname]

,[DebtorResponsible]

,[CbrExclude]

,[PrvDebtorExceptions]

,[IsBusiness]

,[DebtorSSN]

,[DebtorStreet1]

,[DebtorStreet2]

,[DebtorCity]

,[DebtorState]

,[DebtorZipCode]

,[IsAuthorizedAccountUser]

,[bankruptdebtorid]

,[bankruptchapter]

,[bankruptdateFiled]

,[bankruptdateNotice]

,[bankruptproofFiled]

,[bankruptdateTime341]

,[bankruptWithdrawnDate]

,[bankruptdischargeDate]

,[bankruptdismissalDate]

,[bankruptreaffirmDateFiled]

,[cccdebtorid]

,[CCCS]

,[PrimaryDebtorDispute]

,[datedeceased]

,[lastpaidnumber]

,[LastPaymentDate]

,[lastPaymentAmount]

,[payhistorydatepaid

,[DateCreated]