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:

  •   "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
  •   ">= 90 Days Delinquent": 4
  •   ">= 120 Days Delinquent": 5
  •   "120 - 149 Days Delinquent": 6
  •   "150 - 179 Days Delinquent": 7
  •   ">= 180 Days Delinquent": 8
  •   "Current": C
  •   "REO": R
  •   "Credit Event": R
  •   "Removed" : R


Small Business:

  • "Pipeline": R
  • "Issuing": I
  • "Canceled": X
  • "Current": C
  • "Late (16 - 29 DPD)": 1
  • "30 - 59 Days Delinquent": 2
  • "60 - 89 Days Delinquent": 3
  • ">= 90 Days Delinquent": 4
  • "Defaulted": D
  • "Charged Off": O
  • "Bankruptcy": B
  • "Paid Off": P
  • "Paid Off - Negative Balance": P
  • "Sold - Repurchased / Third Party": S
  • "Sold - Debt Sale": S
  • "Sold": S
  • “Repurchased": S
  • "Forbearance": F
  • "Grace": G
  • "Deactivated": D
  • "Suspended": S
  • "Deactivated, Suspended": T



Auto:

  • "30 - 59 Days Delinquent" : 2
  • "60 - 89 Days Delinquent" : 3
  • ">= 90 Days Delinquent" : 4
  • "Charged Off" : O
  • "Current" : C
  • "Late (16 - 29 DPD)" : 1
  • "Paid Off": P
  • "Paid Off - Negative Balance": P



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