Your data tape is the single most important marketing document in a portfolio sale. Treat it like a product.
Hygiene rules
- One row per account
- Consistent date formats
- No duplicate account keys
- Explicit null handling
- Dictionary sheet for field definitions
Helpful fields
Last payment date/amount, charge-off date, original principal, placement history counts, phone/email availability flags (as appropriate), and status codes with a legend.
Security
Share full tapes only through controlled channels after NDA / process gates—not email free-for-alls.