Metro 2 payment rating code 3: 90 to 119 days past due when reported
When the account's status describes an ending, such as transferred, paid or closed, deed in lieu or foreclosure, this rating says the account was 90 to 119 days past due at that moment. Lenders also send the rating with other statuses, where it should simply agree with them.
How it shows on your report
Rarely shown as its own field. It shapes how a closed account's final status reads and the last month in the payment grid.
How it affects your score
Shows the account ended or transferred while delinquent, which counts as a late in payment history even though the account is now closed.
What to check
The grid should step up through 30 and 60 before reaching 90. Check the amount past due at closing too: it should be around three missed payments. A short sale or payoff at closing doesn't change what the rating was.
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: payment rating code, Metro 2
Sources
- Metro 2 data mapping (LoanPro help center)
- Payment Rating field (Bureau Relay Metro 2 reference)
- Account Status Codes (The Mortgage Office help center)
- Metro 2 Base Segment (Galileo, SoFi Technology Platform docs)
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.