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Account Status Codes

The Account Status Code identifies the current condition of the account as of the reporting period. Codes marked PR require a corresponding Payment Rating value.

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Code	Description
11	Current account (0–29 days past the due date) For Installment and Mortgage loans, the account should be current with a non-zero Balance Amount. For Credit Line, Open, and Revolving portfolio types, the account should be current and available for use. If the account is closed but has a balance due, report Special Comment Code M or Compliance Condition Code XA to indicate that it is no longer available for use.
13¹³	Paid or closed account/zero balance PR For Installment and Mortgage loans, the account must be paid with a zero Balance Amount. For Credit Line, Open, and Revolving portfolios, the account must be unavailable for use with a zero Balance Amount. Report Special Comment Code M or Compliance Condition Code XA, if applicable, to indicate the account is closed. Also report Payment Rating with this Account Status Code.
61¹	Account paid in full, was a voluntary surrender Current Balance and Amount Past Due must be zero. See FAQ 63 for reporting guidelines.
62¹	Account paid in full, was a collection account Current Balance and Amount Past Due must be zero.
63¹	Account paid in full, was a repossession Current Balance and Amount Past Due must be zero. See FAQ 62 for reporting guidelines.
64¹	Account paid in full, was a charge-off Current Balance and Amount Past Due must be zero. See FAQ 34(b) for reporting guidelines.
65¹	Account paid in full. A foreclosure was started. Current Balance and Amount Past Due must be zero. Also report Payment Rating with this Account Status Code. See FAQ 52 for reporting guidelines.
71²	Account 30–59 days past the due date
78²	Account 60–89 days past the due date
80²	Account 90–119 days past the due date
82²	Account 120–149 days past the due date
83²	Account 150–179 days past the due date
84²	Account 180 days or more past the due date
88³	Claim filed with government for insured portion of balance on a defaulted loan PR Also report Payment Rating with this Account Status Code.
89³	Deed received in lieu of foreclosure on a defaulted mortgage; there may be a balance due PR Also report Payment Rating with this Account Status Code. See FAQ 53 for reporting guidelines. Note: If Account Status 89 has been reported first, do not report Account Status Code 97 (Charge-off).
93	Account assigned to internal or external collections
94³	Foreclosure completed; there may be a balance due PR Also report Payment Rating with this Account Status Code. See FAQ 52 for reporting guidelines. Note: If Account Status 94 has been reported first, do not report Account Status Code 97 (Charge-off).
95³	Voluntary surrender; there may be a balance due PR Also report Payment Rating with this Account Status Code. See FAQ 63 for reporting guidelines. Note: Do not use Status Code 95 for early lease terminations. See the Leasing category in Special Comment Codes.
96	Merchandise was repossessed; there may be a balance due See FAQ 62 for reporting guidelines.
97	Unpaid balance reported as a loss (charge-off) See FAQ 34(a) for reporting guidelines.
DA	Delete entire account (for reasons other than fraud) Note: To preserve credit information integrity, data furnishers should request deletion of account history only when an actual reporting error occurred. Paid derogatory accounts, such as collections, should be reported as paid, not deleted.
DF	Delete entire account due to confirmed fraud (fraud investigation completed)

No codes match your search.

¹ This Account Status Code is final and requires no further updates.

² For Credit Line, Open, and Revolving portfolios, also report Special Comment M or Compliance Condition Code XA when the account is closed to show it is no longer available for use.

³ A Payment Rating code is required when using Account Status 13, 65, 88, 89, 94 or 95. For all other Account Status codes leave the Payment Rating code blank.

Payment Rating Values

0 Current account (0–29 days past due)

1 30–59 days past the due date

2 60–89 days past the due date

3 90–119 days past the due date

4 120–149 days past the due date

5 150–179 days past the due date

6 180 or more days past the due date

G Collection

L Charge-off

Source: CDIA Credit Reporting Resource Guide^® — Exhibit 4.

← Exhibit 3 — Terms/Payment Conversion Exhibit 10 — ECOA Codes →