# Auto Credit Intelligence · Screens

saved screens across filers and deals.

Live page: https://getbookiq.com/intel/#screens

---

Each screen is a saved question. Click one and the scoreboard opens pre-filtered.
THE SCISSORS

Allowance coverage falling while the loss rate climbs. The pattern that preceded the Car-Mart restatement.

0 / 26 filers
RESERVE BLEED

Provision running below net charge-offs for two or more consecutive quarters: the allowance is absorbing losses it is not being refilled for.

4 / 26 filers
SOLVENCY STRAIN

Negative equity, or an equity cushion eroding four points or more year over year. Both Chapter 11 filings on this tape ran through here.

6 / 26 filers
PAST DUE INTO A THINNING RESERVE

Delinquency climbing while coverage falls, for the filers that tag an undimensioned past-due aggregate.

0 / 26 filers
GROWING ON A THINNER CUSHION

Book up more than 10% year over year while allowance coverage falls.

0 / 26 filers
TOLD YOU THEMSELVES

Filed a non-reliance 8-K, verified by reading the document, not by trusting the item code.

3 / 26 filers
DEPARTED

Stopped filing periodic reports: bankruptcy, deregistration, or delisting with no 10-K or 10-Q after it.

3 / 26 filers
RATIOS SUPPRESSED

At least one data-quality screen fired, so some ratios are deliberately blank. Worth knowing before quoting a number.

12 / 26 filers