Resources / Metro 2 and reporting
PDF
Account Status Codes Decoder
Read any tradeline's status in seconds, and know which fields must agree with it before you send a letter.
What is inside
- 12 status codes with the fields that must agree with each
- 6 contradictions worth a verification request
- Four steps from a flagged status to a well-documented dispute
Who it is for: Dispute operators reading tradelines who need to spot a status that does not match the rest of the report.
Questions
Does a delinquency status prove the account is wrong?
No. It shows what was reported. The question is whether the status matches the balance, the history and the dates on the same tradeline.
Should I dispute every account with a 71 or 78 status?
No. An accurate delinquency is not a valid dispute. Dispute only what you have a good-faith basis to believe is inaccurate or incomplete.
SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.