11Current/Paid Accounts
Status Code 11: Current Account
Account is current with payments 0-29 days past due
Payment Rating: 0
Overview
- This is the standard status for accounts in good standing
- Indicates the consumer is meeting payment obligations on time
- Payment Rating should be 0 when using this status
- Account balance and credit limit should be accurate as of reporting date
Common Use Cases
- 1Active credit cards with on-time payments
- 2Installment loans being paid as agreed
- 3Open lines of credit in good standing
- 4Mortgage accounts with current payments
Reporting Guidelines
- Report monthly as long as the account remains open and current
- Update balance, payment amount, and Date of Account Information each cycle
- Include Payment History Profile showing current payment pattern
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