> ## Documentation Index
> Fetch the complete documentation index at: https://docs.methodfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Portfolio Intelligence: Protect

> Early warning, line decreases, and real-time delinquency and autopay signals.

*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.

<Steps>
  <Step title="Enroll funded-loan accounts in Update Subscriptions">
    Enroll with `enroll: update` (`POST /accounts/{acc_id}/subscriptions`).

    <Expandable title="request">
      ```bash theme={null}
      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" }'
      ```
    </Expandable>
  </Step>

  <Step title="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.

    <Expandable title="request & response">
      ```bash theme={null}
      curl https://production.methodfi.com/entities/ent_qKNBB68bfHGNA/attributes \
        -X POST \
        -H "Method-Version: 2026-03-30" \
        -H "Authorization: Bearer sk_WyZEWVfTcH7GqmPzUPk65Vjc"
      ```

      ```json theme={null}
      {
        "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 }
        }
      }
      ```
    </Expandable>
  </Step>
</Steps>

## 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`.