Metro 2 account status code 93: collection
The account has been assigned to collections, either the lender's internal collection department or an outside agency. Collection agencies reporting debts they handle or bought also use this status on their own tradelines. It stays in place while the debt is unpaid; once it's paid, the status should change to a paid status such as 62.
How it shows on your report
"Collection account," "Placed for collection" or similar, often with an original creditor named.
How it affects your score
A major negative. Unpaid collections hurt in every common scoring model; how paid ones count depends on the model.
What to check
The date of first delinquency should match when you first fell behind with the original creditor, not when the collector got the debt. If the original lender sold the debt and still shows a balance, it's double counted. Paid medical collections, and medical collections under $500, shouldn't appear at the three bureaus.
If this code is wrong on your report
- Metro 2 explained: the data format behind your credit reportHow lenders send coded data to the bureaus, and how disputes travel back to them.
- How to dispute a credit report error, step by stepA step-by-step guide to disputing credit report errors with Equifax, Experian and TransUnion: online vs. mail, what to include, and how to keep proof.
- Letter builderWrite dispute, goodwill, validation and identity theft letters. Free, printed by you, sent by you.
Glossary: account status code, Metro 2
Sources
- Metro 2 Account Status Codes (Bureau Relay, formerly metro2.switchlabs.dev)
- Account Status Codes (The Mortgage Office help center)
- Handling Metro II Account Statuses (Oracle Financial Services Lending and Leasing documentation)
- Metro 2 Base Segment (Galileo, SoFi Technology Platform docs)
- 15 U.S.C. 1681c: Requirements relating to information contained in consumer reports
These explanations are ScoreTuner's plain-English summaries. The official specification is the CDIA Credit Reporting Resource Guide, which is copyrighted and not reproduced here. This is education, not legal advice.