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 1 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 2 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 3 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	Inactive account
B	Lost or stolen 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
U	No data available
Z	Included in bankruptcy
#	In Bankruptcy of another person (retired 2-02-2009)
$	Assigned to U.S. Dept of Education