Past Due (PTD)
Past Due (PTD) is a credit report indicator showing the total dollar amount of payments on a credit account that are overdue. Mortgage lenders review PTD amounts during underwriting to assess a borrower's payment reliability and determine whether delinquent balances must be resolved before loan approval.
What This Means
How PTD Appears on Credit Reports
When a borrower misses a payment, the creditor reports the overdue amount to the credit bureaus. The PTD field on the credit report reflects the cumulative dollar amount that remains unpaid past the due date. This figure updates monthly as new payments are missed or as the borrower brings the account current. A PTD of $0 means the account has no overdue balance.
PTD and Mortgage Underwriting
Mortgage underwriters review PTD amounts across all of a borrower's credit accounts. Outstanding past-due balances are a red flag because they indicate the borrower is not meeting existing obligations. Most loan programs require that all delinquent accounts be brought current before closing. FHA, VA, and conventional guidelines all treat active past-due balances as a negative risk factor, and significant PTD amounts can result in denial even if the credit score itself meets minimum thresholds.
Difference Between PTD and Late Payment History
PTD reflects the current dollar amount that is overdue right now. Late payment history shows a record of past delinquencies (30-day, 60-day, 90-day marks) that may have since been resolved. A borrower can have a clean PTD of $0 but still show historical late payments on their credit report. Both factors matter in underwriting, but an active PTD balance is treated more urgently than a resolved historical late payment.