# Data Dictionary

## 1.Data Dictionary

The file below contains excel table with all Data Dictionaries for our APIs.

{% file src="/files/On4fmUbDL2ftB9tpMkYX" %}

## 2.Summary Block and Risk Features

{% file src="/files/idPVSSNV7DikfXq9rqbT" %}

## 3.Collection Agency Data – Technical Documentation

This section describes the structure, semantics, and field conventions applied to **collection agency data** provided through LenderLink.

***

### 1. Identifying Collection Agency Records

Collection agency records are identified **exclusively** by the following contributor ID:

```
contributorId = eb275afa-21c6-4f48-8480-db1a3ab9b222
```

All records with this `contributorId` must be interpreted as collection agency data.

{% hint style="info" %}
Note than some of the mandatory fields may not be always populated, as some attributes are not available to the collection agency from the original lender.
{% endhint %}

***

### 2. `loanInfoLenderType`

#### Description

`loanInfoLenderType` indicates the **original institution type** of the debt prior to transfer to the collection agency.

#### Allowed Values (Collection Agency Data)

| Value     | Description                                |
| --------- | ------------------------------------------ |
| `fintech` | Debt originated from a fintech institution |
| `bank`    | Debt originated from a bank                |
| `telecom` | Debt originated from a telecom provider    |

***

### 3. Telecom-Specific Conventions

The following rules apply **only when** `loanInfoLenderType = telecom`.

***

#### 3.1 Repayment History

Repayment history is a **standardized indicator** and does not reflect installment-level behavior.

| Debt Status | Repayment History |
| ----------- | ----------------- |
| Unsettled   | `123456`          |
| Settled     | `1234560`         |

***

#### 3.2 Balances

* **Open Balance**\
  Represents the **initial overdue amount** transferred from the telecom provider to the collection agency.
* **Outstanding Balance**\
  Always equal to the open balance.
* **Overdue Amount**\
  Represents the **current debt amount**, reflecting collection actions applied by the agency.

***

#### 3.3 Loan Term

```
null
```

Loan term information is not available for telecom debts handled by collection agencies.

***

#### 3.4 Loan Type

```
0
```

Value `0` corresponds to **Others**.

***

### 4. `loanInfoOpenDate` Semantics for Collection Agency Records

For collection agency data, `loanInfoOpenDate` represents the **contract sale date** — the date on which the original lender sold the debt to the collection agency.

This field should **not** be interpreted as the original loan origination date.\
The original loan open date is available in `loanInfoApplicationDate`.


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