Metro 2 Account Status Codes

    Complete reference guide for Metro 2 account status codes used in credit bureau reporting. Each status code indicates the current state of a tradeline and affects how the account appears on consumer credit reports.

    23 status codes documented

    Quick Reference

    CodeNameCategory
    05Account TransferredSpecial Condition Codes
    11Current AccountCurrent/Paid Accounts
    13Paid/Closed - Zero BalanceClosed/Paid Accounts
    7130-59 Days Past DueDelinquent Accounts
    7860-89 Days Past DueDelinquent Accounts
    8090-119 Days Past DueDelinquent Accounts
    82120-149 Days Past DueDelinquent Accounts
    83150-179 Days Past DueDelinquent Accounts
    84180+ Days Past DueDelinquent Accounts
    61Paid - Voluntary SurrenderClosed/Paid Accounts
    62Paid - Collection AccountClosed/Paid Accounts
    63Paid - RepossessionClosed/Paid Accounts
    64Paid - Charge-OffClosed/Paid Accounts
    65Paid - Foreclosure StartedClosed/Paid Accounts
    88Claim Filed with GovernmentSpecial Condition Codes
    89Deed in Lieu of ForeclosureSpecial Condition Codes
    93Collection AccountSpecial Condition Codes
    94Foreclosure CompletedSpecial Condition Codes
    95Voluntary SurrenderSpecial Condition Codes
    96RepossessionSpecial Condition Codes
    97Charge-OffSpecial Condition Codes
    DADelete - Non-Fraud ReasonAccount Deletion Codes
    DFDelete - Confirmed FraudAccount Deletion Codes

    Current/Paid Accounts

    Accounts that are current or have been paid in full

    11

    Current Account

    Account is current with payments 0-29 days past due

    Delinquent Accounts

    Accounts with past-due balances

    71

    30-59 Days Past Due

    Account is 30-59 days past the due date

    78

    60-89 Days Past Due

    Account is 60-89 days past the due date

    80

    90-119 Days Past Due

    Account is 90-119 days past the due date

    82

    120-149 Days Past Due

    Account is 120-149 days past the due date

    83

    150-179 Days Past Due

    Account is 150-179 days past the due date

    84

    180+ Days Past Due

    Account is 180 or more days past the due date

    Closed/Paid Accounts

    Accounts that have been closed or paid in full with special conditions

    13

    Paid/Closed - Zero Balance

    Account paid and closed with zero balance

    61

    Paid - Voluntary Surrender

    Account paid in full after voluntary surrender of collateral

    62

    Paid - Collection Account

    Account paid in full, was a collection account

    63

    Paid - Repossession

    Account paid in full after repossession of collateral

    64

    Paid - Charge-Off

    Account paid in full, was previously charged off

    65

    Paid - Foreclosure Started

    Account paid in full after foreclosure proceedings began

    Special Condition Codes

    Accounts with special circumstances like bankruptcy, repossession, or collections

    05

    Account Transferred

    Account transferred to another office or sold to another lender

    88

    Claim Filed with Government

    Claim filed with government for insured portion of the balance

    89

    Deed in Lieu of Foreclosure

    Consumer transferred property deed to lender in lieu of foreclosure

    93

    Collection Account

    Account is in collection status - serious delinquency

    94

    Foreclosure Completed

    Foreclosure proceedings have been completed

    95

    Voluntary Surrender

    Collateral was voluntarily surrendered by consumer

    96

    Repossession

    Collateral was repossessed by creditor

    97

    Charge-Off

    Unpaid balance reported as a loss by creditor

    Account Deletion Codes

    Codes used to remove accounts from credit reports

    DA

    Delete - Non-Fraud Reason

    Delete entire account for reasons other than fraud

    DF

    Delete - Confirmed Fraud

    Delete entire account due to confirmed identity fraud

    Automate Status Code Validation

    Metro2 software automatically validates status codes against your account data, ensuring compliant reporting every time.

    View PricingMetro 2 Guide