Portfolio Intelligence: Protect

Early warning, line decreases, real-time delinquency and autopay signals. Bureau won’t tell you a borrower just turned off autopay, opened a balance transfer card, or stacked debt, until it’s already on your balance sheet. Method catches all three weeks earlier, with direct evidence from the FI. Same data fabric as PI: Grow, applied to loss prevention.

How it works

Same subscription setup as PI: Grow, with the attribute bundle tuned to distress signals. Distress events (autopay off, DPD progression, balance stacking) fire as webhooks; risk and servicing teams trigger early intervention.

Enroll funded-loan accounts in Update Subscriptions

Enroll with enroll: update (POST /accounts/{acc_id}/subscriptions).

Show request

curl https://production.methodfi.com/accounts/acc_TmGPLxkz7Nrh6/subscriptions \
  -X POST \
  -H "Method-Version: 2026-03-30" \
  -H "Authorization: Bearer sk_WyZEWVfTcH7GqmPzUPk65Vjc" \
  -H "Content-Type: application/json" \
  -d '{ "enroll": "update" }'

Pull the v2 attribute set tuned for distress signals

POST /entities/{ent_id}/attributes. Method computes the full set automatically. Consume the delinquency flags, the balance-change deltas, and the payment-to-minimum ratio for distress detection. For continuous monitoring, enroll in the Entity Attributes subscription (entity_attribute.create webhook); Method pushes recomputed attributes as the underlying account data changes.

Show request & response

curl https://production.methodfi.com/entities/ent_qKNBB68bfHGNA/attributes \
  -X POST \
  -H "Method-Version: 2026-03-30" \
  -H "Authorization: Bearer sk_WyZEWVfTcH7GqmPzUPk65Vjc"

{
  "id": "attr_dADraNgLBrhgL",
  "entity_id": "ent_qKNBB68bfHGNA",
  "status": "completed",
  "attributes": {
    "delinquency_flag_credit_cards":              { "value": "overdue", "error": null },
    "any_delinquent_flag":                        { "value": true, "error": null },
    "serious_delinquent_flag":                    { "value": false, "error": null },
    "delinquency_worst_dpd_bucket":               { "value": "30_dpd", "error": null },
    "delinquency_accounts_count":                 { "value": 2, "error": null },
    "delinquent_balance_total":                   { "value": 41200, "error": null, "metadata": { "partial": true, "accounts_with_data": 1, "accounts_total": 2 } },
    "delinquency_progression_flag":               { "value": true, "error": null },
    "delinquency_recently_cured_flag":            { "value": false, "error": null },
    "delinquent_outcome":                         { "value": "current", "error": null },
    "payment_to_minimum_ratio_avg_credit_cards":  { "value": 0.85, "error": null },
    "revolving_credit_card_balance_change_30d":   { "value": 381700, "error": null },
    "revolving_credit_card_utilization_delta_30d":{ "value": 8.4, "error": null },
    "revolving_credit_card_utilization_trend_30d":{ "value": "increasing", "error": null },
    "credit_card_utilization":                    { "value": 74.2, "error": null },
    "installment_balance_change_30d":             { "value": 250000, "error": null }
  }
}

Early delinquency detection

Flag delinquency progression weeks before bureau refresh; act on early-cure or workout opportunities while the borrower still has capacity. Key v2 attributes: delinquency_flag_credit_cards, any_delinquent_flag, serious_delinquent_flag, delinquency_worst_dpd_bucket, delinquency_progression_flag, delinquent_outcome, delinquency_recently_cured_flag, delinquency_accounts_count, delinquent_balance_total, payment_to_minimum_ratio_avg_credit_cards, next_payment_minimum_total_credit_cards.

Payment-behavior leading indicators

A declining payment-to-minimum ratio flags borrowers before the first missed payment. (Autopay-specific signals such as autopay disablement detection and autopay-enabled counts surface through Account Updates and account-level attributes rather than entity attributes today.) Key v2 attributes: payment_to_minimum_ratio_avg_credit_cards.

Line decreases on stress signals

Detect borrower distress: utilization spikes, balance stacking, rising aggregate utilization. Act on lines before losses materialize. Key v2 attributes: revolving_credit_card_balance_change_30d, revolving_credit_card_utilization_delta_30d, revolving_credit_card_utilization_trend_30d, credit_card_utilization, overall_utilization_delta_30d.

Debt stacking and settlement detection

Surface borrowers taking on new debt across institutions before bureau catches up. Use change-over-time attributes across credit cards and installment accounts to detect stacking patterns through the cross-account view. Key v2 attributes: delinquency_flag_credit_cards, installment_balance_change_30d, installment_balance_change_60d, revolving_credit_card_balance_change_30d, revolving_credit_card_balance_change_60d.

​How it works

​Early delinquency detection

​Payment-behavior leading indicators

​Line decreases on stress signals

​Debt stacking and settlement detection

How it works

Early delinquency detection

Payment-behavior leading indicators

Line decreases on stress signals

Debt stacking and settlement detection