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This occurs when the applicant’s credit report shows a payment default recorded within the past 12 months.

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Platform Action

Auto-escalation to human.

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Credit Operations – Next Steps

  • Conduct a full review of the credit report to understand:
    • The type and amount of the default
    • Whether the default has been cleared or is outstanding
    • Any supporting explanation from the applicant
  • Assess the overall application to determine if an exception is justified

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Example Situation

An applicant’s credit report lists a $400 utility default from 6 months ago. The system auto-escalates. Credit ops confirm it was paid shortly after being listed and that no further credit issues are present. The case is approved with caution.
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