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Derogatory vs. Delinquent

Established Member

Derogatory vs. Delinquent

I have a question and I cannot find the answer after searching old threads. I have accounts posting as "delinquent" and some other accounts posting as "derogatory". Does "derogatory" mean "charge off"?


Thank you!

Message 1 of 5
Super Contributor

Re: Derogatory vs. Delinquent

I thought derogatory refers to something like a public record, a tax lien for example.
Delinquent seems like directly related to late / non-payment, including charge off?
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 2 of 5
Regular Contributor

Re: Derogatory vs. Delinquent

A delinquency (account 30 - 120 days past due) is a type of deragatory remark (negative item). There are several types of deragatory remarks such as delinquencies, charge offs, collections and bankruptcies.
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Message 3 of 5
Legendary Contributor

Re: Derogatory vs. Delinquent

A delinquency refers to a monthly delinquency, meaning the accout was not paid as agreed for that month.

It can refer to either the current status, or to any prior month under payment history profile where the account was delinquent.


A derog is the broader term used to refer to any adverse information in your credit report.

It can be a monthly delinquency, a charge-off, a collection, or a public record, such as judgment or BK.


Additionally, an account that is currently in good-standing is referred to as a derogatory account if it has any payment history profile showing of prior derogs.

Message 4 of 5
Established Member

Re: Derogatory vs. Delinquent

Thank you all for your replies. Much appreciated!

Message 5 of 5
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