4Delinquency Ladder

    Payment Rating 4: 120-149 Days Past Due

    Payment Rating 4 means "120-149 Days Past Due". Four scheduled payment cycles have been missed. The account is 120 to 149 days behind and, for most revolving portfolios, is past the point of expected cure. It is reported in Payment Rating (Field 17B) of the Base Segment, 1 character at position 111.

    Specification

    Code4
    Meaning120-149 Days Past Due
    FieldPayment Rating (Field 17B)
    RecordBase Segment
    Length / position1 char · 111–111
    CategoryDelinquency Ladder
    CRRG referenceCRRG Base Segment field definition, Payment Rating

    What Payment Rating 4 means

    • Rating 4 is the fourth rung of the ladder and covers a 30-day window like every other numeric rating.
    • Many revolving portfolios charge off at or shortly after 120 days, so this rating often appears in the last month or two before the account converts to a charge-off record with rating L.
    • It does not mean the account has been sold. A sale to a debt buyer is expressed through the transfer and sale statuses and a K2 segment, not through the rating.
    • It does not mean the balance is uncollectible. Rating 4 is a day count on an account that is still on your books.

    When to report 4

    • 1A card issuer reports a revolving account 125 days past due in the month before its scheduled charge-off.
    • 2A credit union reports an auto loan four cycles behind after a repossession has been ordered but not completed.
    • 3A servicer reports a mortgage 120 days delinquent while a foreclosure referral is being prepared.
    • 4An installment lender reports a loan four cycles behind after a broken payment arrangement.

    Reporting rules

    • Continue reporting monthly at the accurate rating. Going silent on a deeply delinquent account leaves a stale tradeline that misstates the consumer's position in either direction.
    • Do not move to rating L until the charge-off is actually recorded on your books, and make the Account Status agree in the same record.
    • Hold the Date of First Delinquency steady, and make sure it is the delinquency that led to this trajectory rather than a later missed payment.
    • Reconcile Amount Past Due to four missed scheduled payments before filing.

    Codes and fields that must agree

    A file can be structurally valid and still be wrong. These are the cross-field conditions Payment Rating 4 has to satisfy.

    • Corresponds to Account Status 82 in the delinquency ladder.
    • Requires a Date of First Delinquency, unchanged since the delinquency began.
    • Amount Past Due should reflect four missed scheduled payments and must be non-zero.
    • Position 1 of the Payment History Profile must agree with the current rating.
    • If the account charges off in the following cycle, the record moves to rating L with the charge-off Account Status and the Original Charge-off Amount populated. The DOFD does not change.

    Common errors involving 4

    B003
    Status and Payment Rating Mismatch
    The account status does not match the payment rating history
    B026
    Date of First Delinquency Missing on Delinquent Account
    A delinquent or charged-off account has no Date of First Delinquency
    G006
    Amount Logic Error
    Amount fields are logically inconsistent

    Vocabulary

    Payment RatingAmount Past Due

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    Source: CRRG Base Segment field definition, Payment Rating. Last reviewed 2026-08-25.

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    Metro 2 Payment Rating 4: 120-149 Days Past Due