GOLDTrak PC What's New > GOLDTrak Version 7.8.28 - 7.8.39 > New Fields for Delinquency Status/Date in Credit Report

CMP: 10215

Work order: 53100

We have added the following fields to the LIABILITY group:

Field Name	Type	Length	Label	Description
DEL_DATE1_LB	Text	0005	DelinqDate1	Delinquency Date 1
DEL_DATE2_LB	Text	0005	DelinqDate2	Delinquency Date 2
DEL_DATE3_LB	Text	0005	DelinqDate3	Delinquency Date 3
DEL_DATE4_LB	Text	0005	DelinqDate4	Delinquency Date 4
DEL_STATUS1_LB	Text	0002	DelinqStatus1	Delinquency Status 1
DEL_STATUS2_LB	Text	0002	DelinqStatus2	Delinquency Status 2
DEL_STATUS3_LB	Text	0002	DelinqStatus3	Delinquency Status 3
DEL_STATUS4_LB	Text	0002	DelinqStatus4	Delinquency Status 4

This delinquency information was already being stored in the TRADE_LINE group in the DELINQ_DATES_TL field, but for convenience, it is now being broken out into more accessible components in the LIABILITIES group.

These fields show up to four delinquency dates and status information when pulling credit report information. If you would like any of these fields to show on the Liabilities list-view table, complete the following steps:

1.On the Asset/Debt Info screen, right-click the Outstanding Debts table and select "Setup List Columns."

2.A message will appear asking if you want to save changes for all users or just temporary changes. Click <Yes> for all users or <No> for just temporary changes.

3.In the List Control Column Setup, select any or all of the new fields, then click <Add> (as shown below).

listcontliabilityfields

Those columns are now added to the Liabilities list view.

outstdebts_1

When you load credit information, those columns will show delinquency statuses and the date those accounts became delinquent.

Note: Delinquency status codes are brought over from the credit report. They are defined as follows:

Installment Account	Revolving Account	Mortgage Account	Meaning
I0	R0	M0	Too new to rate
I1	R1	M1	Pays account as agreed
I2	R2	M2	Not more than two payments past due
I3	R3	M3	Not more than three payments past due
I4	R4	M4	Not more than four payments past due
I5	R5	M5	More than 120 days or four payments past due
I7	R7	M7	Making regular payments under WEP.
I8	R8	M8	Repossession
I9	R9	M9	Bad debt; placed for collection
IA	RA	MA	Account is inactive
IB	RB	MB	Lost or stolen card
IC	RC	MC	Contact member for status
ID	RD	MD	Refinanced or renewed
IE	RE	ME	Consumer deceased
IF	RF	MF	In financial counseling
IG	RG	MG	Foreclosure process started
IH	RH	MH	In WEP of other party
IJ	RJ	MJ	Adjustment pending
IM	RM	MM	Included in Chapter 13

Remember: An institution option is available that will not show trade lines (accounts) with zero balances when pulling liabilities from credit reports. This option, Don't Add 0 Bal Liabilities, is found in GOLDTrak PC Setup > Institution Setup > Credit Report Setup tab, as shown below:

0balliabilities