84Delinquent Accounts

    Status Code 84: 180+ Days Past Due

    Account is 180 or more days past the due date

    Payment Rating: 6

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    Overview

    • Maximum delinquency level before charge-off
    • Account should typically be charged off at this point
    • Payment Rating should be 6 when using this status
    • FFIEC guidelines require charge-off by 180 days for most loan types

    Common Use Cases

    • 1Account pending charge-off processing
    • 2Special circumstances preventing immediate charge-off
    • 3Bankruptcy filing received near charge-off date

    Reporting Guidelines

    • Most accounts should be reported as charge-off (97) at this point
    • Only use 84 if charge-off is imminent but not yet processed
    • Transition to appropriate charge-off or special status promptly

    Other Delinquent Accounts

    7130-59 Days Past Due7860-89 Days Past Due8090-119 Days Past Due82120-149 Days Past Due83150-179 Days Past Due

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