Debt Type Classifier

Live. Tag every account in a portfolio by debt type (payday, auto, medical, credit card, student, utility, BNPL and more) from just the creditor name, with the right specialty closer to use.

Placement files often arrive with no debt type, only a creditor name. Send up to 5,000 accounts with an opaque reference and any of debt type, account or product type, portfolio tags, creditor or original creditor name. Each account comes back with a debt type (payday, auto, buy-here-pay-here, medical, bank overdraft, credit card, student, utility/telecom, BNPL, rent, government, commercial or generic), how confident the match is and what it matched on, consumer vs commercial (whether the FDCPA and Reg F apply), the specialty AI-closer overlay to use, and a needs-review flag, plus the portfolio mix by type. A declared debt type always wins over the creditor name. No names, SSNs or account numbers are accepted, and nothing is stored.

Price: $0.000 per call after 1,000 free per month.

DebtLayer · Tools · Free tools · Docs · support@debtlayer.io