CreditParsePro Release v1.3.0

CreditParsePro v1.3.0 has released! This comprehensive update introduces enhanced tradeline filtering with months reviewed tracking, detailed status categorization, and extensive loan segmentation capabilities. These enhancements enable more sophisticated credit risk assessment through granular analysis of auto and recreational loans, status-based categorization, and payment period filtering.

Tradeline Segment Updates

We've enhanced the tradeline segment with critical tracking and status information:

• months_reviewed: Each tradeline now includes the number of months of payment history available for analysis, enabling proper filtering and aggregation based on data depth.
• status: Key-value pairs for current account status with standardized categorizations to distinguish between current, delinquent, and late-stage delinquent accounts.

Installment Loan Segmentation

We've introduced comprehensive auto and recreational loan tracking to provide detailed insights into specific loan types:

Auto and Recreational Loan Counts

• auto_total_count: Total count of auto loan accounts
• auto_open_count: Count of currently open auto loans
• recreational_total_count: Total count of recreational vehicle loans
• recreational_open_count: Count of currently open recreational loans

Recent Payment Performance by Loan Type

Enhanced delinquency detection for auto and recreational loans across multiple time periods:

• is_most_recent_6_period_open_non_regular_auto: Auto loans with recent payment issues (open accounts)
• is_most_recent_12_period_open_non_regular_auto: Auto loans with payment issues in past 12 months (open)
• is_most_recent_18_period_open_non_regular_auto: Auto loans with payment issues in past 18 months (open)
• is_most_recent_24_period_open_non_regular_auto: Auto loans with payment issues in past 24 months (open)

Similar metrics are available for recreational loans and all account statuses.

Enhanced Original Balance Tracking

We've added comprehensive original loan amount analysis:

Maximum Loan Analysis

• maximum_single_original_sum_no_student_loans_no_mortgage: Largest individual loan amount (excluding student loans and mortgages)
• maximum_single_original_sum_no_student_loans_no_mortgage_gte_18_periods: Largest loan with 18+ payment periods

Average Loan Analysis

• average_original_sum_no_student_loans_no_mortgage: Average original loan amount
• average_original_sum_no_student_loans_no_mortgage_gte_18_periods: Average for loans with substantial payment history

Comprehensive Sum Metrics

• original_total_sum: Total of all original loan amounts
• original_open_sum: Sum of original amounts for open accounts
• original_sum_no_student_loans: Original amounts excluding student loans
• original_sum_no_student_loans_no_mortgage: Most restrictive category for traditional consumer loans

Payment Period Filtering

New count metrics based on payment history depth enable more accurate risk assessment:

Installment Account Filtering

• total_count_gte_6_period_installment: Installment accounts with 6+ payment periods
• total_count_gte_12_period_installment: Accounts with 12+ payment periods
• total_count_gte_18_period_installment: Accounts with 18+ payment periods
• total_count_gte_24_period_installment: Accounts with 24+ payment periods

Similar filtering is available for student loan exclusions, mortgage exclusions, and specific loan types (auto/recreational).

Status-Based Categorization

Enhanced account status tracking across all account types:

Overall Status Metrics

• total_count_current: Accounts in good standing
• total_count_delinquent: Accounts with payment issues
• total_count_late_stage_delinquent: Severely delinquent accounts

Installment-Specific Status Breakdown

Status metrics are available with filters for: - Non-student loan accounts - Auto loans specifically - Recreational loans specifically

Revolving Account Status

• total_count_current: Current revolving accounts
• total_count_delinquent: Delinquent revolving accounts
• total_count_late_stage_delinquent: Severely delinquent revolving accounts

Advanced Credit Analysis Through Loan Segmentation

The introduction of auto and recreational loan segmentation addresses the need for specialized risk assessment of different loan types. These loan categories often exhibit different performance characteristics and require distinct analytical approaches.

Enhanced Payment History Analysis

The months reviewed field enables proper weighting of payment patterns based on available data depth, while the expanded payment period filtering ensures analysts can focus on accounts with sufficient payment history for meaningful analysis.

Comprehensive Status Tracking

The new status categorization system provides immediate visibility into account health across the entire credit profile, with the ability to drill down into specific loan types and account categories.

Implementation Notes

These new fields are now available in all API responses. No changes to your existing integration are required to access these new fields – they'll automatically appear in your responses.

For detailed documentation on the new fields, visit our GitHub API Documentation.