Paystrings are utilized on the loan level and provide us insight on the current standing of each individual loan. Paystrings are broken up by asset class:


Consumer Unsecured/Point Of Sale:

  •   "Current": C
  •   "1 - 29 Days Delinquent": 1
  •   "30 - 59 Days Delinquent": 2
  •   "60 - 89 Days Delinquent": 3
  •   "90 - 119 Days Delinquent": 4
  •   ">= 120 Days Delinquent": 5
  •   "Charged Off": O
  •   "Paid Off": P
  •   "Paid Off - Negative Balance": P
  •   "Removed" : R



Student Loans:

  • "Current": C
  • "Deferred": G
  • "Forbearance": Y
  • "Late (16 - 29 DPD)": 1
  • "30 - 59 Days Delinquent": 2
  • "60 - 89 Days Delinquent": 3
  • "90-119 Days Delinquent": 4
  • "Defaulted": D
  • "Charged Off": L
  • "Sold - Repurchased / Third Party": X
  • "Paid Off": P 
  • "Paid Off - Negative Balance": P



Mortgage:

  • "Foreclosure": F
  • "Paid Off": P
  • "30 - 59 Days Delinquent": 2
  • "60 - 89 Days Delinquent": 3
  • "90 - 119 Days Delinquent": 4
  • "120 - 149 Days Delinquent": 5
  • "150 - 179 Days Delinquent": 6
  • ">= 180 Days Delinquent": 7
  • "Current": C
  •  REO": R
  • "Credit Event": D
  • "Removed" : X
  • "Charged Off": D
  • "Sold - Repurchased / Third Party": X


Small Business:

  • "Current": C

  • "Late (16 - 29 DPD)": 1

  • "Late (1 - 29 DPD)": 1

  • "1 - 29 Days Delinquent": 1

  • "30 - 59 Days Delinquent": 2

  • "60 - 89 Days Delinquent": 3

  • ">= 90 Days Delinquent": 4

  • "Defaulted": D

  • "Charged Off": D

  • "Bankruptcy": B

  • "Paid Off": P

  • "Paid Off - Negative Balance": P

  • "Repurchased": S

  • "Forbearance": F

  • "Grace": G

  • "Suspended": S

  •  "Deactivated, Suspended": T

  • "Removed" : X



Auto:

  • "1 - 29 Days Delinquent": 1
  • "30 - 59 Days Delinquent": 2
  • "60 - 89 Days Delinquent": 3
  • "90 - 119 Days Delinquent": 4

  • ">= 120 Days Delinquent": 5

  • "Charged Off" : D

  • "Current" : C

  • "Paid Off": P

  • "Paid Off - Negative Balance": P

  • "Removed" : X

  • "Foreclosure": F

  • "Credit Event": D



Home Efficiency:

  • "Foreclosure": F

  • "Current": 0
  • "1 - 29 Days Delinquent": 

  • "30 - 59 Days Delinquent": 2

  • "60 - 89 Days Delinquent": 3

  • "90 - 119 Days Delinquent": 4

  • "120 - 149 Days Delinquent": 5

  • "150 - 179 Days Delinquent": 6

  • ">= 180 Days Delinquent": 7

  • "Charged Off": D

  • "Paid Off": P

  • "Paid Off - Negative Balance": P 

  • "Removed" : X






dv01 maps pay string fields straight from the data provided to us by the originators.