83Delinquent Accounts
Status Code 83: 150-179 Days Past Due
Account is 150-179 days past the due date
Payment Rating: 5
Overview
- Fifth level of delinquency
- Account is on the verge of charge-off
- Payment Rating should be 5 when using this status
- Regulations typically require charge-off by 180 days
Common Use Cases
- 1Consumer has missed five consecutive payments
- 2Final month before mandatory charge-off for most account types
- 3Last opportunity for consumer to cure default
Reporting Guidelines
- Accurate balance reporting is critical before charge-off
- Document Date of First Delinquency carefully
- Prepare charge-off documentation
Other Delinquent Accounts
Codes that travel with status 83
- 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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