Scheduled vs. Actual Payment
Capturing contractual due amounts and cash actually received.
Updated 8/14/2025 · 1 min read
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Context matters
The scheduled payment shows what is due this cycle; the actual payment captures what cleared. For open and revolving products in deferral, the scheduled amount may be zero. Consistency improves affordability analytics.
Posting lags
If payments post after the as-of date, they belong to the next cycle; avoid mixing periods which can misstate delinquency.
Last updated
8/14/2025