Account Ratings

Spinwheel defines the account ratings for connected liabilities as the following:

Account RatingDescription
0Too new to rate; approved but not used.
1Pays (or paid) within 30 days of payment due date or not more than one payment past due.
2Pays (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.
3Pays (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.
4Pays (or paid) in more than 90 days from payment due date, but not more than 120 days, or four payments past due.
5Account is at least 120 days overdue but is not yet in collections.
6There is no 6 account rating.
7Making regular payments under a consolidation order or similar arrangement.
8Repossession (voluntary or involuntary return of merchandise).
9Bad debt; placed for collection.
AAccount is inactive
BLost or stoled card
CContact member for status
DRefinanced or renewed
EConsumer deceased
FIn financial counseling
GForeclosure process started
HIn WEP of other partner (retired 2-02-2009)
JAdjustment pending
MIncluded in Chapter 13
SDispute - resolution pending
ZIncluded in bankruptcy
#In BK of another person (retired 2-02-2009)
$Assigned to US Dept of Ed
UNo data available

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