NCC Offers Engine Templates
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NCC Offers Engine Templates
Auto Loan Template
Auto Loan Ruleset
Mortgage Loan Template

Auto Loan Template

Auto Loan Ruleset

Review the listed Credit Summary Attributes fields and check off the desired attributes to be included for your Offers Engine use case. These are the attributes that will be used to determine which loan

Attributes selected on this form will then populate in the
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page

Example:
Search
Category
Sub-category
Attribute
Include
General
1
Overall
1
Number of trades
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Submission List
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Search
Category
Sub-category
Attribute
Include
General
Overall
Credit Score
Number of trades
Number of open installment trades
Total Scheduled Monthly Payment
Total Credit Limit/High Credit on open tradelines
Total Balances on all tradelines
Average balance on open tradelines
Percent utilization on all open tradelines
Age of oldest trade in months
Number of closed trades; no exclusions
Number of open trades; no exclusions
Total balance on all trades; no exclusions
Average number of months trades have been on file
Number of Negative Trades
Trades with any Historical Negative
Occurrences of Historical Negatives
Number of Trades
Number of Open Trade Accounts
Number of Inquiries
Average age of open tradelines; exclude auth user and joint ecoa
Number of hard inquiries
User Activity
Overall
Number of trades opened in past 6 months
Percentage of all trades opened in past 24 months to all trades
Months since oldest trade opened
Months since most recent credit inquiry
Number of credit inquiries in past 12 months (excl coll inqs)
Number of inquiries (includes duplicates) in past 12 months
Number of Inquiries in past 6 months
Number of months since most recent tradeline opened
Number of tradelines opened in past 12 months
Number of tradelines active within the past 6 months; excluding medical
Number of retail tradelines opened in past 6 months
Number of loans or credit cards applied for in past 24 months
Auto
Number of auto tradelines opened in past 6 months
Credit Card
Number of credit card trades opened in past 6 months
Average credit line of open credit card trades verified in past 12 months
Months since oldest credit card trade opened
Number of months since most recent bankcard tradeline opened
Number of bankcard tradelines opened in the past 6 months
Home
Number of mortgage trades opened in past 6 months
Revolving
Number of months since oldest revolving tradeline opened
Number of revolving tradelines opened in past 7 years
Number of revolving tradelines opened in past 12 months
Number of open revolving trades
Number of revolving trades opened in past 6 months
Months since oldest revolving trade opened
Months since most recent revolving trade opened
Student Loans
Number of student loans opened in past 12 months
Installment
Number of installment trades opened in past 6 months
Number of months since oldest installment tradeline opened
Number of months since oldest bank installment tradeline
Number of open installment tradelines opened within the past 24 months; excluding medical
Number of installment tradelines opened in past 12 months
Number months since more recent installment tradeline opened
User Financials
Overall
Total credit line of open trades verified in past 12 months
Total credit line of open trades verified in past 12 months (excl mort and home equity)
Total balance of open trades verified in past 12 months
Total balance of open trades verified in past 12 months (excl mort and home equity)
Total scheduled monthly payment for all trades verified in past 12 months
Total balance on unsecured tradelines
Auto
Total credit line of open auto trades verified in past 12 months
Total balance of open auto trades verified in past 12 months
Total Monthly Automobile Payment
Credit Card
Number of open credit card trades
Number of open credit card trades verified in past 12 months
Total credit line of open credit card trades verified in past 12 months
Total balance of open credit card trades verified in past 12 months
Total balance of open credit card trades verified in past 12 months
Total available credit on open bankcard tradelines verified in the last 6 mons
Total credit limit/high credit on open bankcard tradelines
Number of bankcard tradelines
Total balance on unsecured credit card tradelines
Total credit limit on open credit card trades
Total credit limit on open retail trades
Total balance on open credit card trades
Total balance on open retail trades
Total number of open credit card trades
Total number of open retail trades
Total number of closed credit card trades
Max credit limit on open bank credit cards
Home
Number of open mortgage trades
Total credit line of open mortgage trades verified in past 12 months
Total balance of open mortgage trades verified in past 12 months
Total Monthly Mortgage Payment
Number of Mortgage Trades
Revolving
Number of revolving tradelines
Total credit limit/high credit on open revolving tradelines
Number of revolving tradelines with balance > 0
Maximum balance on revolving tradelines
Average credit line of open revolving trades verified in past 12 months
Number of open revolving trades verified in past 12 months
Total credit line of open revolving trades verified in past 12 months
Total balance of open revolving trades verified in past 12 months
Number of Revolving and Check Credit Trades
Student Loans
Number of non-federal Student Loan tradelines
Total credit line of open student loan trades verified in past 12 months
Total balance of open student loan trades verified in past 12 months
Installment
Total credit line of open installment trades verified in past 12 months
Total balance of open installment trades verified in past 12 months
Total credit limit/high credit on open installment tradelines
Total number of closed installment trades
Number of Installment Trades
Financial Health
Overall
Percentage of satisfactory open trades to all open trades
Utilization for open trades verified in past 12 months
Utilization for open trades verified in past 12 months (excl mort and home equity)
Total past due amount of open trades verified in past 12 months
Months since most recent charged-off trade was first reported
Number of trades with maximum delinquency of 30 days past due in past 24 months
Percentage of trades ever delinquent
Total past due amount of all trades verified in past 12 months
Worst rating on all trades in past 12 months
Number of tradelines currently 30 days past due
Number of tradelines 90+ days past due in past 24 months
Percentage of tradelines never delinquent
Number of tradelines ever 120 days past due
Number of currently satisfactory tradelines
Total occurrances of 30 days late within the past 12 months
Total balances on currently delinquent tradelines
Worst current status on any open tradeline
Number of open trades > 50% of credit line verified in 12 mons (excl installs and morts)
Auto
Utilization for open auto trades verified in past 12 months
Total past due amount of open auto trades verified in past 12 months
Credit Card
Percentage of open credit card trades > 50% of credit line verified in past 12 months
Percentage of open credit card trades > 75% of credit line verified in past 12 months
Utilization for open credit card trades verified in past 12 months
Total past due amount of open credit card trades verified in past 12 months
Percent of bankcard tradelines > 75% of credit limit
Number of bankcard tradelines never delinquent
Number of months since most recent bankcard delinquency
Percent utilization on bankcard tradelines
Total Number of delinquent credit card and retail trades in last 6 months
Total number of open credit card tradelines with utilization > 90%
Total number of open retail tradelines with utilization > 90%
Home
Months since most recent foreclosure trade was first reported
Total past due amount of open home equity loan trades verified in past 12 months
Total past due amount of open HELOC trades verified in past 12 months
Utilization for open mortgage trades verified in past 12 months
Total past due amount of open mortgage trades verified in past 12 months
Total occurrances of 30 days late within the past 12 months on Mortgage trades
Worst status in the past 12 months on any mortgage tradeline
Revolving
Worst rating on revolving trades in past 12 months
Percent of revolving credit available
Percentage of open revolving trades > 50% of credit line verified in past 12 months
Percentage of open revolving trades > 75% of credit line verified in past 12 months
Utilization for open revolving trades verified in past 12 months
Total past due amount of open revolving trades verified in past 12 months
Student Loans
Utilization for open student loan trades verified in past 12 months
Total past due amount of open student loan trades verified in past 12 months
Installment
Worst rating on installment trades in past 12 months
Utilization for open installment trades verified in past 12 months
Total past due amount of open installment trades verified in past 12 months
Percent utilization on installment tradelines
Number of Installment tradelines not delinquent within the last 24 months
Derogatory Marks
Delinquency
Months since most recent delinquency
Number of trades verified in the past 12 months that are currently 30+ DPD
Number of 90 days past due or worse items ever (excluding medical colls)
Number of 30 DPD or worse items ever (excluding medical colls)
Number of 30 DPD or worse items in the past 12 months (excluding medical colls)
Number of 30 DPD or worse items in the past 24 months (excluding medical colls)
Number of 60 DPD or worse items ever (excluding medical colls)
Months since most recent installment delinquency
Months since most recent mortgage delinquency
Total occurrances of delinquencies in past 12 months
Number of currently delinquent tradelines
Number of currently delinquent revolving tradelines
Number of currently delinquent installment tradelines
Total occurrances of delinquencies in the past 2 years
Total occurrances of delinquencies in the past 30 days
Total occurrances of delinquencies in the past 60 days
Total occurrances of delinquencies in the past 7 years
Number of months since 90+ days late or worse derogatory
Number of tradelines reported in past 2 months and currently 120 days past due
Number of revolving tradelines opened in past 24 months
Number of auto tradelines 30 days past due in past 6 months
Total number of trades ever delinquent
Total number of tradelines delinquent in the last 6 months
Total number of installment tradelines 60 days late or worse in the last 6 months
Months since most recent revolving delinquency
Months since most recent 60 or more days past due
Months since most recent 90 or more days past due
Public Records
Number of public records
Months since most recent public record
Number of Public Records with amount > 100
Number of Public Records filed in past 24 months
Bankruptcy
Number of public record bankruptcies
Indicates if bankruptcies have been filed
Months since most recent tradeline bankruptcy
Months since most recent public record bankruptcy
Collections
Number of non-medical third party collections with balance > $0
Number of Chargeoffs in past 12 months
Total amount on Collections
Number of Collections/Chargeoffs in past 24 months; excluding medical
Total amount on Collections in past 36 months; excluding medical
Number of collections with amount > 500
Total amount of Collections; excluding medical
Number of collections with amount > 0
Number of third party collections
Total balance of non-medical third party collections verified in past 12 months
Months since most recent non-medical third party collection
Number of Collections
Repossession
Number of repossessions
Number of repossessed auto loan tradelines
Months since most recent repossession trade was first reported
Foreclosures
Number of foreclosures
Tax Liens
Number of Tax Liens
Total amount on Tax Liens filed within the past 36 months
Total amount of Tax Liens
Judgements
Total amount on Judgements filed within the past 36 months
Total amount on Judgements
Other
​
Total open to buy of open trades verified in past 12 months (excl installs and morts)
Months since infile created at bureau
Number of credit union tradelines
Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)
Deceased Indicator
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