5Delinquency Ladder

    Payment Rating 5: 150-179 Days Past Due

    Payment Rating 5 means "150-179 Days Past Due". Five scheduled payment cycles have been missed. The account is 150 to 179 days behind, the last rung before the open-ended 180-plus bucket. It is reported in Payment Rating (Field 17B) of the Base Segment, 1 character at position 111.

    Specification

    Code5
    Meaning150-179 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 5 means

    • Rating 5 is the final bounded window in the ladder. Once the account passes 179 days it moves to rating 6, which has no upper limit.
    • Installment and mortgage portfolios reach this rating more often than revolving portfolios, because revolving accounts have usually charged off by 180 days.
    • It does not mean the account has been through a loss event. Repossession, foreclosure and charge-off all live in Account Status, and the rating continues to be a day count until one of them happens.
    • It does not imply the tradeline is about to fall off the report. The seven-year FCRA period runs from the Date of First Delinquency, not from the current rating.

    When to report 5

    • 1A servicer reports a mortgage 155 days delinquent while a foreclosure action proceeds and the loan remains on the books.
    • 2A credit union reports an auto loan five cycles behind after a repossession where the deficiency has not yet been determined.
    • 3An installment lender reports a loan 160 days past due with the borrower unreachable.
    • 4A private student lender reports a loan five cycles behind and approaching the default definition in its program rules.

    Reporting rules

    • Keep filing monthly. A deeply delinquent account that stops updating is a stale tradeline and a data-quality finding in any audit.
    • Move to rating 6 only when the account genuinely crosses 180 days.
    • Keep the Date of First Delinquency anchored. At this depth the DOFD is the most consequential date on the record.
    • Reconcile Amount Past Due to five missed scheduled payments and make sure the Current Balance reflects any fees or interest you are legitimately reporting.

    Codes and fields that must agree

    A file can be structurally valid and still be wrong. These are the cross-field conditions Payment Rating 5 has to satisfy.

    • Corresponds to Account Status 83 in the delinquency ladder.
    • Requires a Date of First Delinquency that has not moved since the delinquency began.
    • Amount Past Due should reflect five missed scheduled payments and must be non-zero.
    • Position 1 of the Payment History Profile must agree with the current rating.
    • Not valid alongside the transfer and sale statuses 61 through 65, which require zero Current Balance and zero Amount Past Due.

    Common errors involving 5

    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 RatingDate of First Delinquency

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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 5: 150-179 Days Past Due