When we look at the history on loans as reported on CBRs, there is one CRA that does not consistently report the ratings. Before we dig much deeper into this, does anyone know if any CRAs report these ratings differently based on loan type or some other factor? At first it looked like a portfolio vs. serviced loan difference, but now maybe not. On the same CBR, I can see the same CRA not reporting ratings on a completely different loan. Same CRA in each instance.

Bottom line.....I'm wondering if we are reporting these correctly or if there is some difference at that CRA.

Ratings?? What ratings??

This sounds really stupid when I type it, but.... those little ones and twos. On our core, they show up under "payment history profile."

Sound like you are talking about how your info system shows how late a payment might be?? I would have to see it to know. .Whatever your system shows, it has to be translated to the standardized Metro2 format to send the information to the CRA,