This FAQ explains why previously charged-off or closed accounts may not be flagged during an applicant’s onboarding process. It also covers known limitations and upcoming improvements.
Frequently Asked Questions
Why wasn’t the applicant’s charged-off account flagged during onboarding?
Answer:
The Clutch onboarding logic only surfaces active accounts.
Closed or charged-off accounts are currently excluded from the onboarding match process.
Was the account still in the system?
Answer:
Yes. The previously charged-off account exists in the system.
However, since it was in a closed status, it was not evaluated during onboarding.
Does Clutch consider joint accounts?
Answer:
No. The current logic does not evaluate joint applicants.
If the main applicant on a new application was a joint on a charged-off account, the system will not flag that history.
Is this expected behavior?
Answer:
Yes. This is the expected behavior based on the current onboarding logic.
Only active, directly linked accounts are evaluated.
Are improvements being planned?
Answer:
Yes. Clutch is actively exploring updates to:
Include closed and charged-off accounts in onboarding logic.
Improve visibility of joint applicant relationships.
These enhancements are on the product roadmap, but there is no defined ETA.
Key Takeaways
Only active accounts are considered during onboarding.
Closed or charged-off accounts and joint applicant roles are not currently evaluated.
Updates to support this visibility are planned but not yet scheduled.
Contact for Questions
If you have additional questions, please contact Clutch's Support team or your Customer Success representative.
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