Debt Portfolio Types | Credit Card, Auto, Medical & More
Charged-off debt asset classes: credit card, auto deficiency, medical, personal loans, commercial, telecom, student, and BNPL.
Asset class drives media, recovery model, licensing sensitivity, and how buyers price a tape.
| Asset class | Typical sellers | Buyer focus |
|---|---|---|
| Credit card | Banks, issuers, retailers | Freshness, placements, balance tiers |
| Auto deficiency | Captives, banks, finance companies | Deficiency math, sale evidence |
| Personal / installment | Banks, credit unions, fintechs | Origination channel, payment history |
| Medical | Hospitals and providers | Itemization, privacy |
| Commercial / B2B | Trade creditors, lenders | Contracts, guarantors |
| Telecom | Wireless, cable, ISP | Volume packaging |
| Private student | Specialty lenders | Media completeness |
| Specialty / BNPL | Digital lenders | Data dictionary |