Account Terms

    Payment Rating: Definition

    A code indicating the current level of delinquency.

    Definition

    Payment Rating is the second character of the Account Status code that indicates the current level of delinquency. It ranges from 0 (current) to 9 (collection or charge-off). This code must be consistent with the Amount Past Due and Payment History Profile.

    Examples

    • 0 = Current
    • 1 = 30-59 days
    • 2 = 60-89 days
    • 3 = 90-119 days

    Usage Notes

    • Must match delinquency shown in Payment History Profile
    • Only certain Account Status codes allow Payment Rating
    • Directly impacts credit score

    Related Metro 2 Fields

    17A
    Account Status
    Position 109-110

    All payment ratings

    Carries the account's delinquency level in the cycles where the Account Status describes a terminal condition instead of a payment condition. Every code has its own reference page covering when to report it and the cross-field rules it has to satisfy.

    0Current (No Delinquency)130-59 Days Past Due260-89 Days Past Due390-119 Days Past Due4120-149 Days Past Due5150-179 Days Past Due6180 or More Days Past DueGCollectionLCharge-Off

    All Metro 2 code sets on one page

    Related Terms

    Account StatusPayment History ProfileAmount Past Due

    More Account Terms

    Account Status
    A code indicating the current condition of an account.
    Account Type
    A code specifying the type of credit account.
    Account Number
    The unique identifier assigned to a credit account.
    Amount Past Due
    The total amount currently overdue on an account.
    Current Balance
    The total outstanding balance on an account.
    Credit Limit
    The maximum amount of credit available on a revolving account.
    Highest Credit
    The highest balance ever recorded on the account.
    Original Loan Amount
    The initial amount borrowed on an installment account.

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    Payment Rating - Metro 2 Glossary