Let’s assume the credit report contains two accounts with the following details -
Account 1 :
Account 2 :
last_dpd :
In account 1 - Dec 2019 is last reported dpd, so the last dpd will be 0.
In account 2 - Nov 2019 is last reported dpd, so the last dpd will be 0.
So the last dpd of the whole credit report will be the max of (0, 0), which will be 0.
current_dpd - Current dpd is the max dpd in the last 3 months since the credit report was pulled. If the Credit report was pulled in January 2020, the last 3 months will be Jan 2020 and Nov - Dec 2019.
In account 1 - Dpds in the last 3 months are 0, 15, 0 respectively.
In account 2 - In the last 3 months, only Nov 2019 dpd is present which is 0.
So current dpd will be max(0, 15, 0, 0), which will be 15.
num_consecutive_dpd_last_36_months_gt_50 - If the credit report is pulled in January 2020, we count the number of consecutive dpds greater than 50 in the period from Jan 2017 to Jan 2020.
In the credit report for account 1, the dpds for the months of Jul 2018, Aug 2018, Sep 2018 are 53, 52, 57 respectively, and for account 2, the dpd in Oct 2018 is 58.
The months in which dpds are greater than 50 are - Jul, Aug, Sep and Oct 2018 (4 consecutive months). So the number of consecutive dpds greater than 50 in the last 36 months will be 4.
num_credit_data_points : No of dpds reported in the credit report.
In account 1 there are no dpds reported in Jan 2016, Feb 2016, Apr 2016, May 2018 and Jan 2019. Hence those months would not be counted as a data point.
The same logic applies for account 2, where the blank spaces would not be counted as data points. So the total number of credit data points for the above credit report would be 67.
percentage_dpd_lt_50 : Percentage of the number of data points which have dpd less than 50, divided by the total number of data points in the credit report.
For above credit report, the number of data points with dpd less than 50 will be 63 and the total number of data points in the credit report is 67, so the percentage of dpd less than 50 will be 94.02%, ie. (63 * 100 / 67).