Data Tape Completeness Tool
Score a charged-off data tape before you sell: charge-off date, last-pay, media, chain of title. Sellers use this to avoid a pass.
Seller tool
Pair with seller packaging and submit a portfolio.
Buyers bid a tape plus media. Check what you actually have before you shop the file. Missing charge-off dates and last-pay are the usual price cuts.
Submit a snapshot Seller packaging notes
Minimum tape fields buyers expect
| Field | If missing |
|---|---|
| Charge-off date | Vintage is unknown; extra legal risk |
| Last payment date | Skip cost is assumed high |
| State | State mix is unknown |
| Original creditor | Title questions stall the bid |
| Media percent | Buyers assume the archive is empty |
Educational only — not legal advice, not an appraisal. Desk: portfolios@debtmarket.net · 561-254-6608.