Decode every Metro 2 style account status code consumers see on free reports.
What Does Status Code 05 Mean on a Credit Report?
Status code 05 is industry language for a transfer to another office. Match the new servicer, keep payment history continuous, and dispute only real breaks.
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What Does Status Code 11 Mean on a Credit Report?
Status code 11 is the healthy open-account signal on many files. Confirm balance, history, and ownership so a "current" label is actually true.
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What Does Status Code 13 Mean on a Credit Report?
Status code 13 is the paid-or-closed zero-balance signal on many files. Confirm the close posted correctly - and fight any leftover balance that should already be zero.
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What Does Status Code 42 Mean on a Credit Report?
Status code 42 means you got the collateral back after a voluntary surrender. Confirm reinstatement terms, fees, and that the file no longer freezes you in surrender-only language.
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What Does Status Code 43 Mean on a Credit Report?
Status code 43 means you got the account or collateral back after a repossession. Match repo notices, redemption math, and bureau status before you move on.
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What Does Status Code 61 Mean on a Credit Report?
Status code 61 is the paid wrap for a voluntary surrender story. Confirm the balance hit zero - and that the surrender chapter on the file is actually yours.
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What Does Status Code 62 Mean on a Credit Report?
Status code 62 is the paid wrap for a collection story. Confirm the balance hit zero, watch the date of first delinquency clock, and dispute only real errors.
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What Does Status Code 63 Mean on a Credit Report?
Status code 63 usually means a repossession that is now paid in full. Paying the deficiency updates the money story; the repo history can still report for years if it is accurate.
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What Does Status Code 64 Mean on a Credit Report?
Status code 64 usually means a charge-off that is now paid in full. Paying updates the money fields; aging still tracks the delinquency timeline under the FCRA.
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What Does Status Code 65 Mean on a Credit Report?
Status code 65 usually means a foreclosure that is now paid in full. The paid wrap matters; housing history can still shape mortgage timing for years.
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What Does Status Code 71 Mean on a Credit Report?
Status code 71 usually means an account is 30-59 days past due. It is the first serious late bucket on many files - act this month before the mark ages into 60 days.
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What Does Status Code 78 Mean on a Credit Report?
Status code 78 usually means an account is 60-89 days past due. That second late bucket changes lender decisions and raises the cost of waiting another month.
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What Does Status Code 80 Mean on a Credit Report?
Status code 80 usually means an account is 90-119 days past due. That is deep delinquency territory where charge-off and collection pressure often rise fast.
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What Does Status Code 82 Mean on a Credit Report?
Status code 82 usually means an account is 120-149 days past due. At four months late, charge-off, collection placement, and underwriting damage are often already in motion.
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What Does Status Code 83 Mean on a Credit Report?
Status code 83 usually marks an account 150-179 days past due - the last late bucket before many 180-day and charge-off paths. Verify the count, then act with proof.
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What Does Status Code 84 Mean on a Credit Report?
Status code 84 usually marks an account 180 days or more past due - end-stage delinquency where charge-off and assignment often begin. Verify the 180-day claim first.
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What Does Status Code 88 Mean on a Credit Report?
Status code 88 usually means a claim was filed with a government agency for an insured portion of the account. Confirm the agency, amount, and what you still owe.
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What Does Status Code 89 Mean on a Credit Report?
Status code 89 usually means a deed in lieu of foreclosure was reported. Confirm the deed date, deficiency terms, and that no open foreclosure story still fights the agreement.
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What Does Status Code 91 Mean on a Credit Report?
Status code 91 usually means early termination or default of a lease. Confirm end dates, fee math, and whether residual charges were already paid.
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What Does Status Code 92 Mean on a Credit Report?
Status code 92 usually means an insurance claim was filed for an insured portion of the account. Confirm the insurer, paid amount, and what balance remains yours.
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What Does Status Code 93 Mean on a Credit Report?
Status code 93 usually means the account was assigned to internal or external collections. Confirm ownership, balance, and date of first delinquency before you pay anyone new.
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What Does Status Code 94 Mean on a Credit Report?
Status code 94 is industry language for a completed foreclosure where the collateral was sold. Match the sale story to your papers before you pay or dispute.
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What Does Status Code 95 Mean on a Credit Report?
Status code 95 is industry language for a voluntary surrender. It is serious, and it is not the same story as a forced repossession.
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What Does Status Code 96 Mean on a Credit Report?
Status code 96 marks a repossession path. It is not the same as a voluntary surrender, and the sale math still has to match your notices.
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What Does Status Code 97 Mean on a Credit Report?
Status code 97 marks a charge-off: the unpaid balance was reported as a loss. The debt can still be owed, and the aging clock has specific FCRA rules.
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What Does Status Code 98 Mean on a Credit Report?
Status code 98 is industry language for deleting an entire account on a non-fraud path. Consumers usually notice a line that vanishes, returns, or never matches across bureaus.
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What Does Status Code DA Mean on a Credit Report?
Status code DA is a confirmed-fraud delete entire account path. Real progress runs through identity-theft proof, multi-bureau cleanup, and hard monitoring for reinsertion.
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What Does Status Code DF Mean on a Credit Report?
Status code DF sits in the confirmed-fraud delete family as a related path. It is not a clone of DA, and it is not a non-fraud cleanup.
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