Status — Credit Report

suggest you might not pay back a full loan in the future.

The lender has given up on collecting the debt and closed the account as a loss. This has a severe negative impact on your score.

You’ve missed at least one payment. These are often categorized by how late they are, such as 30, 60, or 90 days. credit report status

You should review your status descriptions regularly to ensure they are accurate.

If you see a "Late" status for a payment you made on time, contact the bureau immediately to file a dispute. Personal Loan Settlement: Impact on Your Credit Score suggest you might not pay back a full loan in the future

A high credit score doesn't always guarantee a loan. Lenders scrutinize the of your accounts for specific "deal-breakers":

Think of the score as your grade and the status as the teacher's notes in the margin—it tells lenders why your score is what it is. Common Status Labels and What They Mean You’ve missed at least one payment

The gold standard. You are meeting all terms and paying on time.