80Delinquent Accounts

    Status Code 80: 90-119 Days Past Due

    Account is 90-119 days past the due date

    Payment Rating: 3

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    Overview

    • Third level of delinquency - serious default
    • Account may be approaching charge-off threshold
    • Payment Rating should be 3 when using this status
    • Severe negative impact on credit score

    Common Use Cases

    • 1Consumer has missed three consecutive payments
    • 2Account is in pre-charge-off status
    • 3Collection efforts have been unsuccessful

    Reporting Guidelines

    • Continue accurate reporting of balance and amount past due
    • Begin considering charge-off timeline per internal policies
    • Document all collection attempts

    Other Delinquent Accounts

    7130-59 Days Past Due7860-89 Days Past Due82120-149 Days Past Due83150-179 Days Past Due84180+ Days Past Due

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