82Delinquent Accounts
Status Code 82: 120-149 Days Past Due
Account is 120-149 days past the due date
Payment Rating: 4
Overview
- Fourth level of delinquency
- Account is severely delinquent and likely heading to charge-off
- Payment Rating should be 4 when using this status
- Most lenders will charge off by 180 days
Common Use Cases
- 1Consumer has missed four consecutive payments
- 2Account is in serious default
- 3Pre-charge-off or pre-collection status
Reporting Guidelines
- Report accurate current balance including accrued interest and fees
- Amount Past Due reflects total overdue amount
- Prepare for potential charge-off reporting
Other Delinquent Accounts
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