Account status code
Credit scores & reportsA code used by lenders to show whether an account is up to date, late, or in default.
Overview
Status codes appear on credit reports and update as your payments change.
They provide a month-by-month snapshot of account health.
Why it matters
- They influence your credit score and lender decisions.
- They show patterns of on-time or late payments.
- They highlight how recent any problems are.
FAQs
Are status codes the same across all lenders?
No. Codes can vary, but most follow similar patterns.
Can I fix a wrong status code?
Yes. You can dispute incorrect reporting with the lender and agency.
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