Once an account becomes delinquent, monthly reporting thereafter reports the current status as delinquent, regardless of whether a payment was made, unless the payment was sufficient to meet the min required to return the account to pays as agreed, good standing.
There are two ways of reporting a current delinquency status of an account.
One is to report that it remains delinquent from the intial date, and show the number of days since the initial delinquency (i.e., 120 days late).
The other is to report that it remains delinquent, but to state that it has reached the age of delinquency that permits the statement that it is not expected to be repaid, rather than continuing to show the days since initial delinquency (i.e., reporting delinquency status as ""CO").
Nothing precludes a creditor from reporting delinquency in a given month either in terms of days since initial delinquency, or as broadly being seriously delinquent without liklihood of being repaid.
If you would prefer to see "CO" rather than "180-late," the creditor might oblige if you assert they cannot report days since intial delinquency, a CO is generally considered a more derogatory status, so I would not recommend requesting that alternate form of delinquency ststus.
