Metro 2 account status code 84: 180 or more days past due
The account is at least 180 days past the due date and is still being reported as a delinquent account rather than as a charge-off or collection. It's the deepest delinquency band in the Metro 2 status list. The lender can keep reporting it this way each month until the account is paid, settled, charged off or sent to collections.
How it shows on your report
"180 days late" or "180+," or a 120-or-more symbol on bureaus that group the severe bands.
How it affects your score
Late payments are among the most damaging items in payment history. FICO looks at how late, how recent and how many, so each step further behind generally hurts more. No one can tell you an exact point drop.
What to check
This status should follow 150 days late, not jump from a milder status. If a separate charge-off or collection tradeline exists for the same debt, the two should agree on balance and dates. The date of first delinquency should be the first missed payment that was never caught up, about six months earlier.
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)
- Key Dimensions and Processes in the U.S. Credit Reporting System (CFPB, December 2012)
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.