[CreditGuy]

Reduced payment plans are fine and necessary but too many funders still label this as a "good" account.

If they are only reporting goods and bads as a binary condition using the metric paying or not paying, then it would be classified as a good account. Proper reporting would be to have shades of grey: current, past due - paying, past due - not paying.

Beyond all the issue around stacking and general shadiness, regulation would go a long way in standardizing reporting metrics like the above and delinquency reporting in general. There's some guidance if accounting is using GAAP, but beyond that it gets pretty creative some places I'd imagine.