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- 0 Account approved, but not used
- or too new to rate.
- 1 Best rating. Bills paid on time.
- 2 30 days past due.
- 3 60 days past due.
- 4 90 days past due.
- 5 120 days past due.
- 6 150 to 180 past due (Creditors legal actions are in place).
- 7 Making regular payments under wage earner plans (usually Chp. 13)
- 8 Repossession has taken place.
- 9 Seriously delinquent account.
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