71Delinquent Accounts

    Status Code 71: 30-59 Days Past Due

    Account is 30-59 days past the due date

    Payment Rating: 1

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    Overview

    • First level of delinquency reported to credit bureaus
    • Indicates one missed or late payment cycle
    • Payment Rating should be 1 when using this status
    • Can significantly impact consumer credit score

    Common Use Cases

    • 1Consumer missed one payment due date
    • 2Payment received but after 30-day grace period
    • 3Insufficient funds caused payment delay

    Reporting Guidelines

    • Calculate days past due from the payment due date
    • Amount Past Due field should reflect overdue amount
    • Continue reporting current balance and credit limit
    • Update Payment History Profile to reflect late payment

    Other Delinquent Accounts

    7860-89 Days Past Due8090-119 Days Past Due82120-149 Days Past Due83150-179 Days Past Due84180+ Days Past Due

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