Metro 2 account status code 11: current (0 to 29 days past due)
The account is open and in good standing as of this update. The code covers anything from fully on time up to 29 days past the due date, because lenders don't report a late payment until it reaches 30 days. On a loan it implies a balance is still owed; on a card or line of credit it implies the line is open and usable.
How it shows on your report
"Current," "Open," "Pays as agreed" or similar, with OK or a check mark in the payment grid for that month.
How it affects your score
The best status an open account can carry. The balance and the account's past history still count separately.
What to check
Current means fewer than 30 days behind. If the status says current but the newest month in the payment grid shows 30 or worse, or the amount past due equals two or more monthly payments, the fields contradict each other. An account you closed shouldn't keep showing as open.
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)
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.