What Do the Ratings on the Payment History Mean?

The credit history allows you to see your applicant’s payment history, and therefore any late payments they may have made.
These delays are coded as follows:
1: No delay
2: 30 days overdue
3: 60 days overdue
4: 90 days overdue
5: 120 days overdue
7: Payment Program
8: Repossession
9: Recovery.

Sometimes you may see a series of “9”’s in the payment history. This means that your applicant has been written off for non-payment of the account in question.

Here is an example of a payment history. The candidate being screened is overdue on all his accounts.