In the Dashboard, you can view repayment history for individual accounts. As a result, you can better understand how an applicant has been managing their commitments.
This information is available in the Payments sub-tab within the Credit tab.
Accessing
While logged into the Dashboard, select a Decision from the Decision List or otherwise navigate to the decision you wish to review. Then:
Navigate to the Credit tab.
Click on the Payments sub-tab.
You’ll see a table listing the applicant’s credit accounts. These are organised into:
Default accounts
Accounts with missed payments
Active accounts
Paid accounts
Use the account filters at the top to refine your view:
All – show all accounts.
Our loans only – show only the accounts belonging to your organisation.
All (excluding ours) – show debts owed to other organisations.
Credit cards only – filter to credit card accounts only.
To view the repayment history for a specific account, click on the account row in the table.
A graph will appear underneath showing repayment data:
Up to 12 months for accounts reported by TransUnion (when available).
Up to 36 months for Own Accounts (accounts the applicant holds with your organisation).
Hover over each bar in the graph to see further detail about that particular month, including the Payment Status, Account Balance, as well as the Credit Limit and Utilisation Percentage (where applicable)
What Information Is Shown?
The repayment history graph provides:
Monthly balances – the amount due each month.
Credit limit – if applicable (shown as a red dotted line).
Payment status – shown by colour-coded bars, one for each month.
Understanding the Colour Key
To help interpret repayment behaviour quickly, we group statuses into categories based on their risk. These are colour-coded:
Colour | Status | Description |
🟩 Green | Payment Status OK | The account is fully up to date with no arrears. |
🟦 Blue | Payment Agreement | A reduced payment or repayment holiday is in place. You may see the balance decreases slowly. Payment holidays typically last 3 months or less. |
🟨 Amber | Early Delinquency | The account is 1 or 2 full payments in arrears. |
🟥 Red | Sustained Delinquency | The account is 3–6 payments in arrears. |
🟥 Hashed Dark Red | Default | The account is in default. |
⚪️ Grey | Other / Undefined Status | Most commonly seen in the first month an account is opened, when no payment is yet due. Often marked as status 'U' on a credit file. No credit risk is implied at this point. |
The 🔴 Red Dotted Line shows the credit limit for the account, if one exists.
Read our article about understanding repayment history to find out how to interpret the results.