Account Media Checklist

Media is the documents that sit behind a charged-off data tape. Buyers bid the tape. They believe the bid when a sample of media matches the rows. Boarding after the award uses a fuller archive. Those are two different deliveries, and sellers get in trouble when they treat them as one.

Seller packaging is the sale-level stack: tape, title, inventory, exclusions, structure. This page is the account-level list inside that stack.

Document groups

Group	Typical documents	Why a buyer opens it
Contract	Application, note, cardholder agreement, or the terms in force at charge-off	Shows the debt was agreed and which entity originated it
Statements	Periodic statements, including a statement near charge-off	Ties the tape balance to a number the consumer was shown
Charge-off evidence	Charge-off notice, final statement, or the system entry that records the charge-off date	Fixes vintage. A missing date is why bids fall
Payment history	A transaction ledger or a history the originator can regenerate	Supports last-pay, and shows credits that the tape should already reflect
Assignment chain	Each bill of sale or assignment from the originator to the current seller	Required when the seller is not the originator. Gaps stop diligent buyers
Asset-specific	Auto: deficiency letter after sale of collateral. Medical: itemization. Telecom: the final bill that explains the balance	Generic “statements” do not answer the question that product actually raises

Sample versus complete archive

A bid sample is a slice. Pick accounts across the balance range, not only the cleanest files, and include the media key from the tape so the reviewer can join them. State the sample rate in the cover note: 25 of 4,000, or whatever you actually pulled. A buyer who likes the sample will still ask what percent of the whole file has a contract, a charge-off document, and a payment history. That percent is the inventory. It can be a column on the tape.

The complete archive is what the buyer’s boarding team needs after award, on the schedule named in the purchase agreement. You do not have to upload every image to get a bid. You do have to know the count. “Media available on request,” with no count and no sample, is read as a file that will not survive diligence.

Index the images to the tape

Name files with the account ID from the tape, or ship an index spreadsheet with account ID, document type, and file name. A zip of scans titled with an internal policy number the buyer has never seen will sit unopened. If a document type is missing for a known share of the file, say the share. Silence is priced as zero.

Chain-of-title documents are portfolio-level, not account-level. Keep them in their own folder and list every hop from the originator to you. The narrative page is chain of title. The document that will transfer the accounts on this sale is the bill of sale and assignment.

Before you send media

• Mask the sample if it is going out before a signed NDA.
• Pull the same account IDs the tape uses.
• Count each document group. A percent-complete figure is enough when the archive is incomplete.
• Separate originator media from later collection notes. Buyers weight them differently.

A live packaging question can go to portfolios@debtmarket.net. The desk phone is 561-254-6608.