78Delinquent Accounts
Status Code 78: 60-89 Days Past Due
Account is 60-89 days past the due date
Payment Rating: 2
Overview
- Second level of delinquency
- Indicates two consecutive missed payment cycles
- Payment Rating should be 2 when using this status
- More severe negative impact on credit score than 30-day delinquency
Common Use Cases
- 1Consumer has missed two consecutive payments
- 2Account continues to deteriorate from 30-day status
- 3Payment arrangement not being honored
Reporting Guidelines
- Amount Past Due should include all overdue payments
- Balance should reflect current outstanding amount including fees
- Payment History Profile shows pattern of delinquency
Other Delinquent Accounts
Codes that travel with status 78
- Payment Rating carries the delinquency when the status describes a closed or terminal condition.
- Payment History Profile codes must agree with the current rating in position 1.
- Portfolio Type and Account Type decide which statuses are even possible for the account.
- Metro 2 codes cheat sheet lists every set in field order.
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