Metro 2 account status codes
Account status is the two-character code a lender or collector sends each month to say where the account stands: current, a certain number of days behind, paid and closed, transferred, or ended badly through collection, charge-off, repossession, or foreclosure. It's the single field that most shapes how a tradeline reads. Some statuses describe the past as well as the present, such as paid but once charged off. Two values, DA and DF, aren't statuses at all. They're instructions to delete the account.
All 23 account status codes
- 05Account transferredThe lender no longer holds this account because it moved it to another office or sold it to another company.
- 11Current (0 to 29 days past due)The account is open and in good standing as of this update.
- 13Paid or closed, zero balanceThe account is finished and nothing is owed: a loan paid off, or a card or line of credit closed with no balance.
- 61Paid in full, was a voluntary surrenderYou gave the collateral back, usually a vehicle, because you couldn't keep up with the payments, and the remaining debt has since been paid in full.
- 62Paid in full, was a collectionThe account had been sent to collections, either the lender's own collection department or an outside agency, and was later paid in full.
- 63Paid in full, was a repossessionThe lender repossessed the collateral, usually a vehicle, and the remaining balance was later paid in full, whether from the sale proceeds, your own payments or both.
- 64Paid in full, was a charge-offThe lender wrote the account off as a loss at some point, and the balance was later paid in full.
- 65Paid in full, foreclosure was startedThe mortgage went far enough into default that foreclosure began, but the loan was then paid in full, for example through a sale or refinance before the foreclosure finished.
- 7130 to 59 days past dueThe account is one payment behind: at least 30 but fewer than 60 days past the due date as of this update.
- 7860 to 89 days past dueThe account is two payments behind: at least 60 but fewer than 90 days past the due date as of this update.
- 8090 to 119 days past dueThe account is three payments behind: at least 90 but fewer than 120 days past the due date as of this update.
- 82120 to 149 days past dueThe account is four payments behind: at least 120 but fewer than 150 days past the due date as of this update.
- 83150 to 179 days past dueThe account is five payments behind: at least 150 but fewer than 180 days past the due date as of this update.
- 84180 or more days past dueThe account is at least 180 days past the due date and is still being reported as a delinquent account rather than as a charge-off or collection.
- 88Government claim filedThe loan defaulted and was backed by a government guarantee or insurance, and the lender has filed a claim with the agency for the insured part of the balance.
- 89Deed in lieu of foreclosureYou signed the property over to the mortgage lender to settle a defaulted loan instead of going through foreclosure.
- 93CollectionThe account has been assigned to collections, either the lender's internal collection department or an outside agency.
- 94Foreclosure completedThe foreclosure is finished: the lender or a buyer at the sale took the property to resolve the defaulted mortgage.
- 95Voluntary surrenderYou returned the collateral, usually a vehicle, because you couldn't keep paying.
- 96RepossessionThe lender took back the collateral, usually a vehicle, after you fell behind.
- 97Charge-offThe lender has written off the unpaid balance as a loss on its books.
- DADelete account (not fraud)An instruction rather than a status.
- DFDelete account (confirmed fraud)An instruction to remove the entire account because the furnisher finished a fraud investigation and confirmed the account was opened or used fraudulently.
Other Metro 2 code families
- Payment rating codes 9
- Payment history profile characters 15
- ECOA codes 9
- Compliance condition codes 10
- Special comment codes 37
If a code on your report is wrong, you can dispute it with the bureau or with the company that reported it. Start with how to dispute a credit report error, then use the free letter builder to write it. Look up any code.