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Established Member
Posts: 13
Registered: ‎07-01-2009
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Can someone explain ratings on CRs?

Hi all.


Can someone explain this to me....


This concerns credit reporting.


I know that having a status of R1 means it is Rated 1 -- which is good right???


But what if my status states I1   what does that mean??  I have this on my student loan?

Established Member
Posts: 13
Registered: ‎07-01-2009
0 Kudos

Re: Can someone explain ratings on CRs?



I found the info I needed.



R- Revolving (usually a credit card)
I - installment (like home or auto loan)
R1 or I1 = pays as agreed never late
R2 or I2 = 30 days late
R3 or I3 = 60 days late
R4 or I4 = 90 days late
R5 or I5 = 120 days late
R7 or I7 = making regular payments under wage earner plan
R8 or I8 = repossession
R9 or I9 = charge off
Silly me.
Established Member
Posts: 13
Registered: ‎07-01-2009
0 Kudos

Re: Can someone explain ratings on CRs?

k. wait.


which begs another question.


I have I1 rating on my student loan.  


And I am paying as agreed, but yet, I am also being dinged for  one 30 day late. What gives?


Shouldn't the rating then be I2????



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