Account Status Codes

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POST /people/{personId}/loans/{loanId}/credit-reporting/{creditAgencyId}/delete
{
  "deletedReason": "other",
  "metro2": {
    "accountStatusCode": "97"
  }
}

FUNCTION determine_account_status(loan, snapshot, reporting_status):
  
  # Priority 1: Lender-supplied status (API override)
  IF reporting_status.metro2_account_status IS NOT NULL:
    RETURN reporting_status.metro2_account_status
  
  # Priority 2: Deleted reporting status
  IF reporting_status.reporting_status = 'Deleted':
    RETURN 'DA'  # Delete Account Non-Fraud
  
  # Priority 3: Active/Frozen/Accelerated loan status
  IF snapshot.loan_status IN ('Active', 'Frozen', 'Accelerated'):
    
    # Closed with zero balance → Paid or Closed
    IF snapshot.loan.is_closed = True AND snapshot.outstanding_balance_total_amount = 0:
      RETURN '13'  # Paid or Closed
    
    IF snapshot.overdue_number_days < 30:
      RETURN '11'  # Current
    
    # Check if assigned to collection agency
    IF loan.serviced_by = 'DebtCollectionAgency'
       AND loan.collection_agency_status IN ('Assigned', 'PendingAssignment')
       AND loan.collection_agency_assigned_on_date <= date_of_account_info:
      RETURN '93'  # Assigned to Collections
    
    # Delinquency buckets
    IF snapshot.overdue_number_days < 60: RETURN '71'   # 30-59 days
    IF snapshot.overdue_number_days < 90: RETURN '78'   # 60-89 days
    IF snapshot.overdue_number_days < 120: RETURN '80'  # 90-119 days
    IF snapshot.overdue_number_days < 150: RETURN '82'  # 120-149 days
    IF snapshot.overdue_number_days < 180: RETURN '83'  # 150-179 days
    RETURN '84'  # 180+ days
  
  # Priority 4: Paid Off loan status OR closed with zero balance
  IF snapshot.loan_status = 'PaidOff':
    RETURN '13'  # Paid or Closed
  
  # Priority 5: Charged Off loan status
  IF snapshot.loan_status = 'ChargedOff':
    
    IF charged_off_reason = 'fraudulent':
      RETURN 'DF'  # Delete - Confirmed Fraud
    
    IF charged_off_reason = 'legal':
      RETURN 'DA'  # Delete - Non-Fraud
    
    IF charged_off_reason IN ('bankruptcy', 'term'):
      # Check for service credit transaction types that indicate a loss.
      # These indicate a loss even if balance is zero.
      # Note: settlementOfDebtNoLoss is intentionally NOT in this list —
      # it is the variant of settlement credit that does NOT force a 97 status.
      loss_service_credits = find_service_credits(
        types = ['settlementOfDebt', 'fraud', 'badDebt', 'deceased'],
        status = 'Succeeded'
      )
      
      IF snapshot.outstanding_balance_total_amount = 0 AND count(loss_service_credits) = 0:
        RETURN '64'  # Paid in Full - Charge-off (no loss)
      ELSE:
        RETURN '97'  # Charged Off (with balance or loss occurred)
  
  RAISE ERROR "Could not determine account status"

IF charged_off_reason IN ('bankruptcy', 'term'):
  # Check for service credit transaction types that indicate a loss.
  # settlementOfDebtNoLoss is intentionally NOT in this list — that is the
  # variant of settlement credit that does NOT force a 97 status.
  loss_service_credits = find_service_credits(
    types = ['settlementOfDebt', 'fraud', 'badDebt', 'deceased'],
    status = 'Succeeded'
  )
  
  IF outstanding_balance_total_amount = 0 AND count(loss_service_credits) = 0:
    RETURN Status 64  # Paid in Full - Charge-off (no loss)
  ELSE:
    RETURN Status 97  # Charged Off (balance remaining or loss occurred)

IF charged_off_reason = 'fraudulent':
  RETURN Status DF  # Delete - Confirmed Fraud

IF charged_off_reason = 'legal':
  RETURN Status DA  # Delete - Non-Fraud

Month 1: Payment Due $100, Paid $0
  DPD: 30+ on due date + 30 days
  Status: 71 (30-59 days past due)

Month 2: Payment Due $100, Paid $0 (cumulative missed: $200)
  DPD: 60+
  Status: 78 (60-89 days past due)

Month 3: Payment Due $100, Paid $0 (cumulative missed: $300)
  DPD: 90+
  Status: 80 (90-119 days past due)

Month 4: Payment Due $100, Paid $0 (cumulative missed: $400)
  DPD: 120+
  Status: 82 (120-149 days past due)

Month 5: Payment Due $100, Paid $0 (cumulative missed: $500)
  DPD: 150+
  Status: 83 (150-179 days past due)

Month 6: Payment Due $100, Paid $0 (cumulative missed: $600)
  DPD: 180+
  Status: 84 (180+ days past due)

IF paid_amount >= scheduled_payment:
  Status remains current (11) or advances toward current
ELSE:
  Shortfall accumulates toward overdue balance
  Status determined by total DPD

Month 1: Status 78 (60-89 DPD)
Month 2: Borrower pays all past-due amounts
  DPD resets to 0
  Status: 11 (Current)
  Payment History: Previous months retain delinquency codes