Overview
If your credit union has decided to activate auto-generation of credit reports upon submission of an application, Glide allows for decisioning of the application based on the credit report results.
See our Credit Report Generation guide to learn more about the auto generation set up options.
Supported Attributes
Glide supports over 200 attributes extract from credit reports. For a full list of these attributes see our Credit Report Attributes guide. Supported attributes are broken down in the following categories:
Number and Age of Accounts
Account Ratings
Balances and Payments
Available Credit, Credit Limit, and Credit Utilization
Delinquencies
Inquiries
Public Records
Collections, Liens, Bankruptcies, and so on
Warnings (Thin File, Deceased)
When creating rules with our supported attributes, Glide supports comparison operator excluding the boundary values. In other words, (>
and <
) is supported, but >=
and <=
is not.
Recommended Logic
Recent inquiries
PT038
: Number of inquiries in the past 6 months.If
PT038
> 8, then deny.
Recent delinquencies
PT072
: More than 1 delinquency within 30 days is red flag.If
PT072
> 1 then deny.
Collections accounts
PT174
: Balance on non-medical collection accounts.If
PT174
> $1,000 (indicating significant non-medical collections), then deny.
Bankruptcy
GB311
: Has a bankruptcy ever been reported? 1=yes; 0=no.If
GB311
= 1, then deny.