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Select Auction Listings

This sub-resource allows the user to see the loans currently listed on the market. The API currently returns the entire list of loans listed in the Primary Marketplace of the platform.

WE MAKE NO REPRESENTATIONS OR WARRANTIES TO YOU, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. We make no representations with respect to the accuracy or timeliness of information provided by applicants, credit bureaus or governmental agencies.

Operation: GET

URL: https://api.lendingclub.com/api/lcx/v1/primary/listings

Path Parameters: None

Query Parameters:

Name

Type

Required

Description

offset

Integer

No

Retrieve a subset of loans starting with the offset value

limit

Integer

No

Limit the number of results returned

roomName

String

No

Limit the results to the items in a given room. If the parameter is excluded, the endpoint will return data for the public marketplace

includeIndividual

Boolean

No

Retrieve loans listed as individual items in the listing

The query parameters includeIndividual are optional. If this parameter is excluded, the listings will return all loans in the listing.

Supported formats: json

For the Listings GET call, users must include the Accept: application/json header and exclude the Content-Type header

All values can be null.

Response Parameters:

Parameter Name

Type

Description

acceptD

String

The date which the borrower accepted the offer

accNowDelinq

Integer

How many accounts this borrower has that are delinquent

accOpenPast24mths

Integer

Number of trades opened in past 24 months

accruedInterest

BigDecimal

Amount of interested accrued since the previous payment

addrState

String

The address state provided by the borrower during loan application

addrZip

String

The first 3 numbers of the ZIP code provided by the borrower in the loan application

allUtil

Number

Balance to credit limit on all trades

annualInc

Number

The annual income provided by the borrower during registration

annualIncJoint

Number

The joint annual income if the applicationType is "JOINT"

applicationType

String

The loan application type. Valid values are "INDIVIDUAL" or "JOINT"

avgCurBal

Integer

Average current balance of all accounts

bcOpenToBuy

Integer

Total open to buy on revolving bankcards

bcUtil

Number

Ratio of total current balance to high credit/credit limit for all bankcard accounts

chargeoffWithin12Mths

Integer

Number of charge-offs within 12 months

collections12MthsExMed

Integer

Number of collections in 12 months excluding medical collections

delinq2yrs

Integer

The Number of 30+ days past-due incidences of delinquency in the borrower's credit file for the past 2 years

delinqAmnt

Number

The past-due amount owed for the accounts on which the borrower is now delinquent

description

String

Loan description provided by the borrower

disbursementMethod

String

It will indicate the loan disbursement method. Valid values are "DIRECT_PAY" or "CASH"

dti

Number

The borrower's debt to income ratio, calculated using the monthly payments on the total debt obligations, excluding mortgage, divided by
self-reported monthly income

dtiJoint

Number

The joint debt to joint income ratio. This field is populated if the applicationType is "JOINT". Calculated using the monthly payments on the
total debt obligations, excluding mortgage, divided by self-reported
monthly income

earliestCrLine

Date

The date the borrower's earliest reported credit line was opened

empLength

Integer

Employment length in months. Possible values are whole numbers from 0 and higher. Null indicates not employed

empTitle

String

Employment title

expD

Date

Expiration date of listing

expDefaultRate

Number

The expected default rate of the loan

ficoRangeHigh

Integer

The upper boundary of range the borrower's FICO belongs to

ficoRangeLow

Integer

The lower boundary of range the borrower's FICO belongs to

firstMonthPayment

BigDecimal

Amount paid by borrower in the first month

grade

String

LendingClub assigned loan grade

homeOwnership

String

The home ownership status provided by the borrower during registration or obtained from the credit report. Our values are: RENT, OWN, MORTGAGE,
OTHER

iLUtil

Number

Ratio of total current balance to high credit/credit limit on all install acct

initialListStatus

String

The initial listing status of the loan. Possible values are W

inqFi

Integer

Number of personal finance inquiries

inqLast12M

Integer

Number of credit inquiries in past 12 months

inqLast6mths

Integer

The Number of inquiries by creditors during the past 6 months

installment

Number

The monthly payment owed by the borrower if the loan originates

intRate

Number

Interest rate that is being charged for the loan

isIncV

String

Indicates if income is verified by LendingClub

listD

String

Listing date of the loan

loanAmount

Number

The listed amount of the loan applied for by the borrower. If at some point in time, the credit department reduces the loan amount, then it will be reflected in this value

loanId

Integer

Unique LendingClub ID number for the loan

maxBalBc

Number

Maximum current balance owed on all revolving accounts

mortAcc

Integer

Number of mortgage accounts

moSinOldIlAcct

Integer

Months since oldest installment account opened

moSinOldRevTlOp

Integer

Months since oldest revolving account opened

moSinRcntRevTlOp

Integer

Months since most recent revolving account opened

moSinRcntTl

Integer

Months since most recent account opened

mthsSinceLastDelinq

Integer

The Number of months since the borrower's last delinquency

mthsSinceLastMajorDerog

Integer

Months since most recent 90-day or worse rating

mthsSinceLastRecord

Integer

The Number of months since the last public record

mthsSinceRcntIl

Integer

Months since most recent installment accounts opened

mthsSinceRecentBC

Integer

Months since most recent bankcard account opened

mthsSinceRecentBcDlq

Integer

Months since most recent bankcard delinquency

mthsSinceRecentInq

Integer

Months since most recent inquiry

numAcctsEver120Pd

Integer

Number of accounts ever 120 or more days past due

numActvBcTl

Integer

Number of currently active bankcard accounts

numActvRevTl

Integer

Number of currently active revolving trades

numBcSats

Integer

Number of satisfactory bankcard accounts

numBcTl

Integer

Number of bankcard accounts

numIlTl

Integer

Number of installment accounts

numOpRevTl

Integer

Number of open revolving accounts

numRevAccts

Integer

Number of revolving accounts

numRevTlBalGt0

Integer

Number of revolving trades with balance > 0

numSats

Integer

Number of satisfactory accounts

numTl120Dpd2M

Integer

Number of accounts currently 120 days past due (updated in past 2 months)

numTl30Dpd

Integer

Number of accounts currently 30 days past due (updated in past 2 months)

numTl90GDpd24M

Integer

Number of accounts 90 or more days past due in last 24 months

numTlOpPast12M

Integer

Number of accounts opened in past 12 months

openAcc

Integer

The Number of open credit lines in the borrower's credit file

openAcc6M

Integer

Number of open trades in last 6 months

openActIl

Integer

Number of currently active installment trades. This field is a replacement field for openIl6m

openIl12M

Integer

Number of installment accounts opened in past 12 months

openIl24M

Integer

Number of installment accounts opened in past 24 months

openRv12M

Integer

Number of revolving trades opened in past 12 months

openRv24M

Integer

Number of revolving trades opened in past 24 months

outstandingPrincipal

BigDecimal

Principal outstanding on the Note/Loan

pctTlNvrDlq

Integer

Percent of trades never delinquent

pendingPrincipalPayment

BigDecimal

Pending amount of principal the investor is expecting once a payment settles

percentBcGt75

Number

Percentage of all bankcard accounts > 75% of limit

pubRec

Integer

Number of derogatory public records

pubRecBankruptcies

Integer

Number of public record bankruptcies

purpose

String

A category provided by the borrower for the loan request. Values are:
debt_consolidation, medical, home_improvement, renewable_energy,
small_business, wedding, vacation, moving, house, car, major_purchase,
credit_card, not_requested, other

Rate

Number

Interest rate that is being charged for the loan

rev

Number

Total credit revolving balance

revolBalJoint

Number

Sum of revolving credit balance of the co-borrowers, net of duplicate balances

revolUtil

Number

Revolving line utilization rate, or the amount of credit the borrower is using relative to all available revolving credit

secAppChargeoffWithin12Mths

Integer

Number of charge-offs within last 12 months at time of application for the secondary applicant

secAppCollections12MthsExMed

Integer

Number of collections within last 12 months excluding medical collections at time of application for the secondary applicant

secAppEarliestCrLine

String

Earliest credit line at time of application for the secondary applicant

secAppFicoRangeHigh

Integer

FICO range (high) for the secondary applicant

secAppFicoRangeLow

Integer

FICO range (low) for the secondary applicant

secAppInqLast6Mths

Integer

Credit inquiries in the last 6 months at time of application for the secondary applicant

secAppMortAcc

Integer

Number of mortgage accounts at time of application for the secondary applicant

secAppMthsSinceLastMajorDerog

Integer

Months since most recent 90-day or worse rating at time of application for the secondary applicant

secAppNumRevAccts

Integer

Number of revolving accounts at time of application for the secondary applicant

secAppOpenAcc

Integer

Number of open trades at time of application for the secondary applicant

secAppOpenActIl

Integer

Number
of currently active installment trades at time of application for the
secondary applicant. This field is a replacement field for
secAppOpenIl6m

secAppRevolUtil

Number

Ratio of total current balance to high credit/credit limit for all revolving accounts

serviceFeeRate

Number

Service fee rate paid by the investor for this loan

subGrade

String

LendingClub assigned loan subgrade

taxLiens

Integer

Number of tax liens

term

Integer

The Number of payments on the loan. Values are in months and can be either 36 or 60

totalAcc

Integer

The total Number of credit lines currently in the borrower's credit file

totalBalExMort

Integer

Total credit balance excluding mortgage

totalBalIl

Number

Total current balance of all installment accounts

totalBcLimit

Integer

Total bankcard high credit/credit limit

totalCuTl

Integer

Number of credit union trades

totalIlHighCreditLimit

Integer

Total installment high credit/credit limit

totalPymnt

BigDecimal

Total payments received by the investor, payment in flight that has not been settled is not included in this field

totalPymntInv

BigDecimal

Total payments received by investor

totalRecInt

BigDecimal

Total interest received by the investor at the time of sale

totalRecLateFee

BigDecimal

Total amount of late fees received by the investor

totalRecPrncp

BigDecimal

Total amount of principal received by the investor

totalRevHiLim

Integer

Total revolving high credit/credit limit

totCollAmt

Integer

Total collection amounts ever owed

totCurBal

Integer

Total current balance of all accounts

totHiCredLim

Integer

Total high credit/credit limit

CRA_Census_Year 

String 

The reference year for the census file used for the CRA data 

CRA_Application_Low_Income_Census_Tract 

Boolean 

Indicates whether the applicant is in a low-income census tract. For joint applications the first applicant’s address is used. 

CRA_Application_Moderate_Income_Census_Tract 

Boolean 

Indicates whether the applicant is in a moderate income census tract. For joint applications the first applicant’s address is used. 

CRA_Application_Middle_Income_Census_Tract 

Boolean 

Indicates whether the applicant is in a middle-income census tract. For joint applications the first applicant’s address is used. 

CRA_Application_Upper_Income_Census_Tract 

Boolean 

Indicates whether the applicant is in an upper-income census tract. For joint applications the first applicant’s address is used. 

CRA_Application_Missing_Income_Census_Tract 

Boolean 

Indicates whether the census tract income level for the applicant is missing. For joint applications we only use the first applicant’s address. 

CRA_Application_Low_Income 

Boolean 

Indicates that the applicant’s stated income is less than 50% of the Median Family Income of the MSA in which the applicant’s tract resides. For join applications we use the combined income of both applicants. 

CRA_Application_Moderate_Income 

Boolean 

Indicates that the applicant’s stated income is greater than or equal to 50% and less than 80% of the Median Family Income of the MSA in which the applicant’s tract resides. For join applications we use the combined income of both applicants. 

CRA_Application_Mid_Upper_Income 

Boolean 

Indicates that the applicant’s stated income is greater than or equal to 80% of the Median Family Income of the MSA in which the applicant’s tract resides. For join applications we use the combined income of both applicants. 

CRA_Application_Missing_Income 

Boolean 

Indicates whether the Median Family Income of MSA in which tract resides is missing. For joint applications we only use the first applicant’s address. 

CRA_Application_Distressed 

Boolean 

Indicates whether the census tract is in a distressed area. For joint applications we only use the first applicant’s address. 

CRA_Application_Underserved 

Boolean 

Indicates whether the census tract is in an underserved area. For joint applications we only use the first applicant’s address. 

CRA_Application_LMIDU 

Boolean 

Indicates that the applicant resides in a low- to moderate-income, distressed or underserved census tract, or the applicant’s income is less than 80% of the median family Income of the MSA in which the applicant’s tract resides.  

CRA_Application_State 

String 

A 2-digit numeric state code based on the Federal Information Processing Standards (FIPS) of the United States.  

This code will include leading zeros. So "1" is represented as "01" 

CRA_Application_County 

String 

A 3-digit numeric county code based on the Federal Information Processing Standards (FIPS) of the United States. 

This code will include leading zeros. So "1" is represented as "001" 

CRA_Application_MSA_MD 

String 

A 5-digit numeric code referring to the Metropolitan Statistical Area or Micropolitan Division. 


HTTP Status Summary:

Code

Description

200

Success

400

Validation or business error

401

Unauthorized

403

Forbidden

404

Not found

452

Market closed

500

Unexpected failure


Sample Request:

https://api.lendingclub.com/api/lcx/v1/primary/listings?offset=0&limit=10000&includeIndividual=true&limit=5&roomName=PRIMARY_MARKET


Sample Response:

{
"basketListings": [],
"asOfDate": "2020-05-22T23:48:07.296Z",
"limit": 10000,
"roomName": "PRIMARY_MARKET",
"listings": [
{
"loanId": 181330199,
"memberId": 229576920,
"loanAmount": 30000.0,
"fundedAmount": 0.0,
"term": 36,
"intRate": 10.81,
"expDefaultRate": 4.67,
"serviceFeeRate": 1.28,
"installment": 979.46,
"grade": "A",
"subGrade": "A5",
"empLength": null,
"homeOwnership": "OWN",
"annualInc": 100000.0,
"isIncV": "NOT_VERIFIED",
"acceptD": "2020-05-22T00:00:00.000-07:00",
"expD": "2020-06-01T00:00:00.000-07:00",
"listD": "2020-05-18T00:00:00.000-07:00",
"creditPullD": "2020-05-22T00:00:00.000-07:00",
"reviewStatusD": "2020-05-22T00:00:00.000-07:00",
"reviewStatus": "APPROVED",
"desc": null,
"purpose": "other",
"addrZip": "940xx",
"addrState": "AR",
"investorCount": null,
"ilsExpD": "2020-06-01T00:00:00.000-07:00",
"initialListStatus": "W",
"empTitle": null,
"accNowDelinq": null,
"accOpenPast24Mths": 23,
"bcOpenToBuy": 30000,
"percentBcGt75": 23.0,
"bcUtil": 23.0,
"dti": 1.4,
"delinq2Yrs": 1,
"delinqAmnt": 0.00,
"earliestCrLine": "1984-09-15T00:00:00.000-07:00",
"ficoRangeLow": 695,
"ficoRangeHigh": 699,
"inqLast6Mths": null,
"mthsSinceLastDelinq": 90,
"mthsSinceLastRecord": null,
"mthsSinceRecentInq": 14,
"mthsSinceRecentRevolDelinq": 23,
"mthsSinceRecentBc": 52,
"mortAcc": 23,
"openAcc": 3,
"pubRec": null,
"totalBalExMort": 13944,
"revolBal": 1.00,
"revolUtil": 0.00,
"totalBcLimit": 23,
"totalAcc": 4,
"totalIlHighCreditLimit": 12,
"numRevAccts": 28,
"mthsSinceRecentBcDlq": 52,
"pubRecBankruptcies": null,
"numAcctsEver120Ppd": 12,
"chargeoffWithin12Mths": null,
"collections12MthsExMed": null,
"taxLiens": null,
"mthsSinceLastMajorDerog": 12,
"numSats": 8,
"numTlOpPast12m": null,
"moSinRcntTl": 12,
"totHiCredLim": 12,
"totCurBal": 12,
"avgCurBal": 12,
"numBcTl": 12,
"numActvBcTl": 12,
"numBcSats": 7,
"pctTlNvrDlq": null,
"numTl90gDpd24m": 12,
"numTl30dpd": 12,
"numTl120dpd2m": 12,
"numIlTl": 12,
"moSinOldIlAcct": 12,
"numActvRevTl": 12,
"moSinOldRevTlOp": 12,
"moSinRcntRevTlOp": 11,
"totalRevHiLim": 12,
"numRevTlBalGt0": 12,
"numOpRevTl": 12,
"totCollAmt": 12,
"applicationType": "JOINT",
"annualIncJoint": 300000.0,
"dtiJoint": 14.7,
"isIncVJoint": "NOT_VERIFIED",
"openAcc6m": null,
"openActIl": null,
"openIl12m": null,
"openIl24m": null,
"mthsSinceRcntIl": null,
"totalBalIl": 0,
"iLUtil": 0,
"openRv12m": null,
"openRv24m": null,
"maxBalBc": 0.00,
"allUtil": 0.00,
"inqFi": null,
"totalCuTl": null,
"inqLast12m": null,
"mtgPayment": 615.00,
"housingPayment": null,
"secAppFicoRangeLow": 695,
"secAppFicoRangeHigh": 699,
"secAppEarliestCrLine": "1984-09-15T00:00:00.000-07:00",
"secAppInqLast6Mths": null,
"secAppMortAcc": 23,
"secAppOpenAcc": 3,
"secAppRevolUtil": 0,
"secAppOpenActIl": null,
"secAppNumRevAccts": 28,
"secAppChargeoffWithin12Mths": null,
"secAppCollections12MthsExMed": null,
"secAppMthsSinceLastMajorDerog": 12,
"revolBalJoint": 23147.00,
"disbursementMethod": "CASH",
"outstandingPrincipal": 30000.000000000000,
"accruedInterest": 0,
"askPricePercentage": 1.100000000000,
"askPriceBasis": "PRINCIPAL",
"estimatedAskPrice": 33000.000000000000000000000000,
"CRA_Application_Low_Income_Census_Tract": false,
"CRA_Application_Moderate_Income_Census_Tract": false,
"CRA_Application_Middle_Income_Census_Tract": false,
"CRA_Application_Upper_Income_Census_Tract": true,
"CRA_Application_Missing_Income_Census_Tract": false,
"CRA_Application_Low_Income": false,
"CRA_Application_Moderate_Income": false,
"CRA_Application_Mid_Upper_Income": true,
"CRA_Application_Missing_Income": false,
"CRA_Application_Distressed": true,
"CRA_Application_Underserved": true,
"CRA_Application_Eligibility": true,
"CRA_Application_State": 01,
"CRA_Application_County": 0123,
"CRA_Application_MSA_MD": 33400
}, {
"loanId": 181333239,
"memberId": 229579965,
"loanAmount": 30000.0,
"fundedAmount": 0.0,
"term": 36,
"intRate": 10.19,
"expDefaultRate": 4.67,
"serviceFeeRate": 1.28,
"installment": 970.69,
"grade": "A",
"subGrade": "A4",
"empLength": null,
"homeOwnership": "OWN",
"annualInc": 200000.0,
"isIncV": "NOT_VERIFIED",
"acceptD": "2020-05-22T00:00:00.000-07:00",
"expD": "2020-06-01T00:00:00.000-07:00",
"listD": "2020-05-18T00:00:00.000-07:00",
"creditPullD": "2020-05-22T00:00:00.000-07:00",
"reviewStatusD": "2020-05-22T00:00:00.000-07:00",
"reviewStatus": "APPROVED",
"desc": null,
"purpose": "other",
"addrZip": "940xx",
"addrState": "AR",
"investorCount": null,
"ilsExpD": "2020-06-01T00:00:00.000-07:00",
"initialListStatus": "W",
"empTitle": null,
"accNowDelinq": null,
"accOpenPast24Mths": 23,
"bcOpenToBuy": 30000,
"percentBcGt75": 23.0,
"bcUtil": 23.0,
"dti": 1.4,
"delinq2Yrs": 1,
"delinqAmnt": 0.00,
"earliestCrLine": "1984-09-15T00:00:00.000-07:00",
"ficoRangeLow": 695,
"ficoRangeHigh": 699,
"inqLast6Mths": null,
"mthsSinceLastDelinq": 90,
"mthsSinceLastRecord": null,
"mthsSinceRecentInq": 14,
"mthsSinceRecentRevolDelinq": 23,
"mthsSinceRecentBc": 52,
"mortAcc": 23,
"openAcc": 3,
"pubRec": null,
"totalBalExMort": 13944,
"revolBal": 1.00,
"revolUtil": 0.00,
"totalBcLimit": 23,
"totalAcc": 4,
"totalIlHighCreditLimit": 12,
"numRevAccts": 28,
"mthsSinceRecentBcDlq": 52,
"pubRecBankruptcies": null,
"numAcctsEver120Ppd": 12,
"chargeoffWithin12Mths": null,
"collections12MthsExMed": null,
"taxLiens": null,
"mthsSinceLastMajorDerog": 12,
"numSats": 8,
"numTlOpPast12m": null,
"moSinRcntTl": 12,
"totHiCredLim": 12,
"totCurBal": 12,
"avgCurBal": 12,
"numBcTl": 12,
"numActvBcTl": 12,
"numBcSats": 7,
"pctTlNvrDlq": null,
"numTl90gDpd24m": 12,
"numTl30dpd": 12,
"numTl120dpd2m": 12,
"numIlTl": 12,
"moSinOldIlAcct": 12,
"numActvRevTl": 12,
"moSinOldRevTlOp": 12,
"moSinRcntRevTlOp": 11,
"totalRevHiLim": 12,
"numRevTlBalGt0": 12,
"numOpRevTl": 12,
"totCollAmt": 12,
"applicationType": "INDIVIDUAL",
"annualIncJoint": null,
"dtiJoint": null,
"isIncVJoint": null,
"openAcc6m": null,
"openActIl": null,
"openIl12m": null,
"openIl24m": null,
"mthsSinceRcntIl": null,
"totalBalIl": 0,
"iLUtil": 0,
"openRv12m": null,
"openRv24m": null,
"maxBalBc": 0.00,
"allUtil": 0.00,
"inqFi": null,
"totalCuTl": null,
"inqLast12m": null,
"mtgPayment": 308.33,
"housingPayment": null,
"secAppFicoRangeLow": null,
"secAppFicoRangeHigh": null,
"secAppEarliestCrLine": null,
"secAppInqLast6Mths": null,
"secAppMortAcc": null,
"secAppOpenAcc": null,
"secAppRevolUtil": null,
"secAppOpenActIl": null,
"secAppNumRevAccts": null,
"secAppChargeoffWithin12Mths": null,
"secAppCollections12MthsExMed": null,
"secAppMthsSinceLastMajorDerog": null,
"revolBalJoint": null,
"disbursementMethod": "CASH",
"outstandingPrincipal": 30000.000000000000,
"accruedInterest": 0,
"askPricePercentage": 1.100000000000,
"askPriceBasis": "PRINCIPAL",
"estimatedAskPrice": 33000.000000000000000000000000,
"CRA_Application_Low_Income_Census_Tract": false,
"CRA_Application_Moderate_Income_Census_Tract": false,
"CRA_Application_Middle_Income_Census_Tract": false,
"CRA_Application_Upper_Income_Census_Tract": true,
"CRA_Application_Missing_Income_Census_Tract": false,
"CRA_Application_Low_Income": false,
"CRA_Application_Moderate_Income": false,
"CRA_Application_Mid_Upper_Income": true,
"CRA_Application_Missing_Income": false,
"CRA_Application_Distressed": true,
"CRA_Application_Underserved": true,
"CRA_Application_Eligibility": true,
"CRA_Application_State": 01,
"CRA_Application_County": 0123,
"CRA_Application_MSA_MD": 33400
}, {
"loanId": 181330182,
"memberId": 229576901,
"loanAmount": 30000.0,
"fundedAmount": 0.0,
"term": 36,
"intRate": 10.19,
"expDefaultRate": 4.67,
"serviceFeeRate": 1.28,
"installment": 970.69,
"grade": "A",
"subGrade": "A4",
"empLength": null,
"homeOwnership": "OWN",
"annualInc": 200000.0,
"isIncV": "NOT_VERIFIED",
"acceptD": "2020-05-22T00:00:00.000-07:00",
"expD": "2020-06-01T00:00:00.000-07:00",
"listD": "2020-05-18T00:00:00.000-07:00",
"creditPullD": "2020-05-22T00:00:00.000-07:00",
"reviewStatusD": "2020-05-22T00:00:00.000-07:00",
"reviewStatus": "APPROVED",
"desc": null,
"purpose": "other",
"addrZip": "940xx",
"addrState": "AR",
"investorCount": null,
"ilsExpD": "2020-06-01T00:00:00.000-07:00",
"initialListStatus": "W",
"empTitle": null,
"accNowDelinq": null,
"accOpenPast24Mths": 23,
"bcOpenToBuy": 30000,
"percentBcGt75": 23.0,
"bcUtil": 23.0,
"dti": 1.4,
"delinq2Yrs": 1,
"delinqAmnt": 0.00,
"earliestCrLine": "1984-09-15T00:00:00.000-07:00",
"ficoRangeLow": 695,
"ficoRangeHigh": 699,
"inqLast6Mths": null,
"mthsSinceLastDelinq": 90,
"mthsSinceLastRecord": null,
"mthsSinceRecentInq": 14,
"mthsSinceRecentRevolDelinq": 23,
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}]
}

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