Account Ratings
Spinwheel defines the account ratings for connected liabilities as the following:
Account Rating | Description |
---|---|
0 | Too new to rate; approved but not used. |
1 | Pays (or paid) within 30 days of payment due date or not more than one payment past due. |
2 | Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than two payments past due. |
3 | Pays (or paid) in more than 60 days from payment due date, but not more than 90 days, or not more than three payments past due. |
4 | Pays (or paid) in more than 90 days from payment due date, but not more than 120 days, or four payments past due. |
5 | Account is at least 120 days overdue but is not yet in collections. |
6 | Collection |
7 | Included in Chapter 13 |
8 | Repossession (voluntary or involuntary return of merchandise). |
9 | Charged Off |
A | Account is inactive |
B | Lost or stoled card |
C | Contact member for status |
D | Refinanced or renewed |
E | Consumer deceased |
F | In financial counseling |
G | Foreclosure process started |
H | In WEP of other partner (retired 2-02-2009) |
J | Adjustment pending |
M | Included in Chapter 13 alternative |
S | Dispute - resolution pending |
Z | Included in bankruptcy |
# | In Bankruptcy of another person (retired 2-02-2009) |
$ | Assigned to US Dept of Ed |
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Updated 9 days ago