6Delinquency Ladder
Payment Rating 6: 180 or More Days Past Due
Payment Rating 6 means "180 or More Days Past Due". Six or more scheduled payment cycles have been missed. This is the open-ended bucket at the end of the ladder, covering everything from 180 days to indefinitely delinquent. It is reported in Payment Rating (Field 17B) of the Base Segment, 1 character at position 111.
Specification
| Code | 6 |
|---|---|
| Meaning | 180 or More Days Past Due |
| Field | Payment Rating (Field 17B) |
| Record | Base Segment |
| Length / position | 1 char · 111–111 |
| Category | Delinquency Ladder |
| CRRG reference | CRRG Base Segment field definition, Payment Rating |
What Payment Rating 6 means
- Rating 6 has no upper bound. An account 200 days past due and an account 500 days past due are both rated 6, which is why the Date of First Delinquency rather than the rating is what fixes the FCRA clock.
- It is frequently the rating carried alongside a terminal Account Status, because an account this far behind has usually also been charged off, sold, or included in a bankruptcy.
- It does not mean charged off. Rating L is the charge-off rating, and rating 6 describes an account that is severely delinquent whether or not a charge-off has been booked.
- It does not mean in collection. Rating G is the collection rating, and the two describe different conditions even though both often appear on very old delinquencies.
When to report 6
- 1A servicer reports a mortgage more than six months delinquent while foreclosure proceeds and the loan is still owned.
- 2An installment lender reports a loan 210 days past due that has not yet met its internal charge-off policy.
- 3A credit union reports a deficiency balance on a repossessed vehicle where the account remains open and severely delinquent.
- 4A furnisher reports an account that was deeply delinquent at the moment it was included in a bankruptcy filing.
Reporting rules
- Use rating 6 for anything at or beyond 180 days. Do not invent a deeper rating; the ladder ends here.
- Make sure the Account Status is telling the truth about the account's condition. A record sitting at rating 6 for years with a status that says the account is simply delinquent invites a question about whether a charge-off or sale went unreported.
- Anchor the Date of First Delinquency. At this depth an incorrect DOFD can keep a tradeline on a consumer's report well past the FCRA period.
- Do not zero the Amount Past Due while keeping rating 6. If the past due amount is genuinely zero, the account has ended and the status should reflect that.
Codes and fields that must agree
A file can be structurally valid and still be wrong. These are the cross-field conditions Payment Rating 6 has to satisfy.
- Corresponds to Account Status 84 in the delinquency ladder that runs 71, 78, 80, 82, 83, 84 against ratings 1 through 6.
- Requires a Date of First Delinquency. Because the rating is open-ended, the DOFD is the only field that establishes how long the delinquency has run.
- Amount Past Due must be non-zero and consistent with six or more missed scheduled payments.
- Position 1 of the Payment History Profile must agree with the current rating.
- If the account is subsequently charged off, move to rating L with the charge-off status and the Original Charge-off Amount populated; if it is placed in collection, rating G applies. The DOFD stays put through both transitions.
Common errors involving 6
B003B026B019
Status and Payment Rating Mismatch
The account status does not match the payment rating history
Date of First Delinquency Missing on Delinquent Account
A delinquent or charged-off account has no Date of First Delinquency
Original Charge-off Amount Missing on Charge-off
Account Status is 97 (charge-off) but no Original Charge-off Amount is reported
Vocabulary
Keep browsing
- All 9 payment ratings — the full set with categories and cross-field rules.
- Metro 2 codes cheat sheet — every CRRG code set on one page.
- Payment Rating field reference — position, length, and validation rules.
- Metro 2 format reference
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