80Delinquent Accounts
Status Code 80: 90-119 Days Past Due
Account is 90-119 days past the due date
Payment Rating: 3
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
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