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Last active October 20, 2021 21:57
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XPS Evaluation Offers
[
{
"id": "74140554-a885-4f4c-b09e-ef4eb9462f06",
"goals": [
"debt_solution"
],
"terms": 36,
"amount": 13144,
"provider": "fdr",
"categories": [
"debt_settlement",
"fdr",
"debt_relief"
],
"created_at": "2021-10-14T19:23:06Z",
"product_id": "dddedea9-587f-4f23-804e-5e53003e2979",
"session_id": "894ac379-8411-4b6f-8ac3-cdc31ecb43f2",
"total_cost": 10942,
"cerebro_pid": "8bc4ef3f-d5a9-48bc-bcbb-78bc04084403",
"valid_until": "2021-10-28T19:23:06Z",
"additional_info": {
"product": {
"id": "",
"refer_id": "",
"offer_type": "",
"credit_pull_id": 1992042,
"temp_session_id": null,
"fdr_applicant_id": "89g37e4agd34b6a",
"estimated_savings": 24698,
"current_or_past_due": "No"
},
"evaluation": {
"eligible_tradelines": [
{
"id": "1992042-6",
"source": "cbr",
"balance": 807,
"reference_id": "850388db355255f2911f9e7c24e6c9a44781002e009cea7e593a7dbd2026a8d0"
},
{
"id": "1992042-16",
"source": "cbr",
"balance": 1379,
"reference_id": "1f932924dc463165aafa9c01c4684c8f35a82b42ddd63772e4ca53a312d06dfa"
},
{
"id": "1992042-20",
"source": "cbr",
"balance": 2004,
"reference_id": "f42642eee7a14c38327bca83d462f767b94bc1f8df07e597dd5bfbef8577a8dc"
},
{
"id": "1992042-21",
"source": "cbr",
"balance": 5551,
"reference_id": "a350fd4c51770a5a019f9eb237164c00e41209ddc48e62bcdf8f2f699f808365"
},
{
"id": "1992042-5",
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"reference_id": "57b15a4efc29a936b21d08dabc86e9ad4c52f6e1f75be946e6b9851b10bf59ca"
}
],
"ineligible_tradelines": [
{
"id": "1992042-2",
"source": "cbr",
"reference_id": "a6059e8eb034d3348e37b18ceba8b888c56115f15310dd7c1cbeab41d850a3a9",
"declined_reasons": [
{
"code": "36023",
"message": "account-debt-too-low"
},
{
"code": "16032",
"message": "unacceptable-secured"
},
{
"code": "16030",
"message": "unacceptable-mortgage"
}
]
},
{
"id": "1992042-14",
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"reference_id": "7cefb809820876791d2df6dfed81be866f5855a6a246a90b6fa2ea917d9646e7",
"declined_reasons": [
{
"code": "36023",
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},
{
"code": "16032",
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},
{
"code": "16030",
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}
]
},
{
"id": "1992042-19",
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"balance": 52214,
"reference_id": "251c10501918034d6c16f4f89f5f2b873f7527a2a7538e1816a5043665e43257",
"declined_reasons": [
{
"code": "16032",
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}
]
},
{
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"source": "cbr",
"balance": 5,
"reference_id": "58516b40fdcae857deff0c9f84e37fff2c3f3cb9b1e71051dfe139b0eb3763aa",
"declined_reasons": [
{
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"message": "account-debt-too-low"
}
]
},
{
"id": "1992042-7",
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"reference_id": "5eb002aac0d055483e9b52f9b1ec2424248ad4a886c60996851b539feb7a9471",
"declined_reasons": [
{
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}
]
},
{
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"declined_reasons": [
{
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}
]
},
{
"id": "1992042-10",
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"reference_id": "0740aee701a99c9cfd2b9118c856fc0de21b3cad3f82625a8624218b4e71811c",
"declined_reasons": [
{
"code": "36023",
"message": "account-debt-too-low"
},
{
"code": "16032",
"message": "unacceptable-secured"
},
{
"code": "16030",
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}
]
},
{
"id": "1992042-12",
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"reference_id": "23c9bc4f5271f26a38450a340c1c8092a6d5a44055ce5558062a81accce5a75c",
"declined_reasons": [
{
"code": "36023",
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}
]
},
{
"id": "1992042-13",
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"reference_id": "f1be2e09353a6b76a9e53a5ba04febb435c3f4492df1ac0951f8ec99b2ce5923",
"declined_reasons": [
{
"code": "36023",
"message": "account-debt-too-low"
}
]
},
{
"id": "1992042-17",
"source": "cbr",
"balance": 15,
"reference_id": "d715c2e61c63d5114e8f5104d6724cfeee1d9e318d89a76478c30c95c060a3a9",
"declined_reasons": [
{
"code": "36023",
"message": "account-debt-too-low"
}
]
},
{
"id": "1992042-3",
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"reference_id": "05f7b10a6eafe58f437b60bd90e802cc60480f9d373127c8424e9080114ead01",
"declined_reasons": [
{
"code": "36023",
"message": "account-debt-too-low"
}
]
},
{
"id": "1992042-9",
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"reference_id": "fb3b4bb38881ac83d68b67a80415098900fa7effe351fe182195335d3c9e44fb",
"declined_reasons": [
{
"code": "36023",
"message": "account-debt-too-low"
},
{
"code": "16032",
"message": "unacceptable-secured"
},
{
"code": "16030",
"message": "unacceptable-mortgage"
}
]
},
{
"id": "1992042-11",
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"declined_reasons": [
{
"code": "36023",
"message": "account-debt-too-low"
},
{
"code": "16032",
"message": "unacceptable-secured"
}
]
},
{
"id": "1992042-15",
"source": "cbr",
"reference_id": "2eadf58be493cb555e24e1fcc639d9a61dfbb5f4bdfa9a2b5bf56eace4e24c26",
"declined_reasons": [
{
"code": "36023",
"message": "account-debt-too-low"
}
]
},
{
"id": "1992042-1",
"source": "cbr",
"reference_id": "ecaa4a51867ded49a5d2c886fc7708bc473eb9d97e145b99f2f2eb6a71413a01",
"declined_reasons": [
{
"code": "36023",
"message": "account-debt-too-low"
},
{
"code": "16032",
"message": "unacceptable-secured"
},
{
"code": "16030",
"message": "unacceptable-mortgage"
}
]
},
{
"id": "1992042-4",
"source": "cbr",
"reference_id": "8aab7e3d859d2c3c8f4e3a561c93e3f036c9d5f254ad9ac5ebae44bdffa899bf",
"declined_reasons": [
{
"code": "36023",
"message": "account-debt-too-low"
},
{
"code": "16032",
"message": "unacceptable-secured"
},
{
"code": "16030",
"message": "unacceptable-mortgage"
}
]
},
{
"id": "1992042-22",
"source": "cbr",
"balance": 163596,
"reference_id": "36e5a1ea6ea7d423c6f8d4e957789273a150c82bd2e2f7d8ef3b219fc1e512df",
"declined_reasons": [
{
"code": "16032",
"message": "unacceptable-secured"
},
{
"code": "16030",
"message": "unacceptable-mortgage"
}
]
}
]
},
"tradelines": [
"57b15a4efc29a936b21d08dabc86e9ad4c52f6e1f75be946e6b9851b10bf59ca",
"850388db355255f2911f9e7c24e6c9a44781002e009cea7e593a7dbd2026a8d0",
"1f932924dc463165aafa9c01c4684c8f35a82b42ddd63772e4ca53a312d06dfa",
"f42642eee7a14c38327bca83d462f767b94bc1f8df07e597dd5bfbef8577a8dc",
"a350fd4c51770a5a019f9eb237164c00e41209ddc48e62bcdf8f2f699f808365"
]
},
"monthly_payment": 294,
"source_business_id": "fdr",
"source_cerebro_pid": "8bc4ef3f-d5a9-48bc-bcbb-78bc04084403",
"business_information": {
"program_service": {
"npv": 1469.9099999999999,
"mixes": {
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"business_debt_percent": 0,
"medical_count_percent": 0,
"military_debt_percent": 0,
"business_count_percent": 0,
"education_debt_percent": 0,
"military_count_percent": 0,
"aggressive_debt_percent": 0,
"education_count_percent": 0,
"settlement_debt_percent": 6.14,
"aggressive_count_percent": 0,
"omitted_eligible_percent": 0,
"settlement_count_percent": 20,
"credit_union_debt_percent": 0,
"credit_union_count_percent": 0
},
"fee_total": 376600,
"applicants": [
{
"report": {
"tradelines": [
{
"aging": "Unknown",
"creditor": {
"id": "a073900000UNF3fAAH",
"meta_creditor_id": "a21700000047J8rAAE",
"meta_creditor_name": "Bank of America",
"settlement_percentage": 62
},
"is_active": false,
"evaluations": [
"account-debt-too-low",
"unacceptable-secured",
"unacceptable-mortgage"
],
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"is_short_fixed_term_debt": true
},
{
"aging": "Unknown",
"creditor": {
"id": "a073900000UNF3fAAH",
"meta_creditor_id": "a21700000047J8rAAE",
"meta_creditor_name": "Bank of America",
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},
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"evaluations": [
"account-debt-too-low",
"unacceptable-secured",
"unacceptable-mortgage"
],
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"reference_id": "1992042-2",
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},
{
"aging": "Unknown",
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"evaluations": [
"account-debt-too-low"
],
"is_eligible": false,
"account_type": "line-of-credit",
"reference_id": "1992042-3",
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"kind_of_business": "all-banks-non-specific",
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},
{
"aging": "Unknown",
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"evaluations": [
"account-debt-too-low",
"unacceptable-secured",
"unacceptable-mortgage"
],
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"reference_id": "1992042-4",
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},
{
"aging": "Unknown",
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"conditions": [
"unknown-creditor"
],
"is_eligible": true,
"account_type": "credit-card",
"reference_id": "1992042-5",
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},
{
"aging": "Unknown",
"creditor": {
"id": "a073900000UNFMOAA5",
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"meta_creditor_name": "Synchrony Bank",
"settlement_percentage": 100
},
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},
{
"aging": "Unknown",
"creditor": {
"id": "a0770000002ZGG3AAO",
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"meta_creditor_name": "Citibank",
"settlement_percentage": 55
},
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],
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"account_type": "credit-card",
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},
{
"aging": "Unknown",
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"account-debt-too-low"
],
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"is_short_fixed_term_debt": true
},
{
"aging": "Unknown",
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"evaluations": [
"account-debt-too-low",
"unacceptable-secured",
"unacceptable-mortgage"
],
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},
{
"aging": "Unknown",
"creditor": {
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"meta_creditor_name": "Bank of America",
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},
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"unacceptable-secured",
"unacceptable-mortgage"
],
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"is_short_fixed_term_debt": true
},
{
"aging": "Unknown",
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"meta_creditor_id": "a21700000047J8GAAU",
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},
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"evaluations": [
"account-debt-too-low",
"unacceptable-secured"
],
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"account_type": "auto",
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"responsibility": "individual",
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"kind_of_business": "automobile-financing-company",
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},
{
"aging": "Unknown",
"creditor": {
"id": "a0770000002ZEx0AAG",
"meta_creditor_id": "a21700000047JC8AAM",
"meta_creditor_name": "American Express",
"settlement_percentage": 61.97
},
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],
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},
{
"aging": "Unknown",
"creditor": {
"id": "a0770000002ZEx0AAG",
"meta_creditor_id": "a21700000047JC8AAM",
"meta_creditor_name": "American Express",
"settlement_percentage": 61.97
},
"is_active": false,
"evaluations": [
"account-debt-too-low"
],
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"is_short_fixed_term_debt": true
},
{
"aging": "Unknown",
"is_active": false,
"evaluations": [
"account-debt-too-low",
"unacceptable-secured",
"unacceptable-mortgage"
],
"is_eligible": false,
"account_type": "mortgage",
"reference_id": "1992042-14",
"responsibility": "joint",
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"is_short_fixed_term_debt": true
},
{
"aging": "Current",
"creditor": {
"id": "a073900000UNF62AAH",
"meta_creditor_id": "a21700000047JA9AAM",
"meta_creditor_name": "Capital One",
"settlement_percentage": 57.6
},
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"account-debt-too-low"
],
"is_eligible": false,
"account_type": "credit-card",
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"account_condition": "open",
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"is_short_fixed_term_debt": true
},
{
"aging": "Current",
"creditor": {
"id": "a073900000UNF7OAAX",
"meta_creditor_id": "a21700000047J8GAAU",
"meta_creditor_name": "Citibank",
"settlement_percentage": 50
},
"is_active": true,
"is_eligible": true,
"account_type": "credit-card",
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}
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