[MCNetwork]

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.

Precisely. The lack of grey reporting is what keeps outside investors in the dark. They only see "good" versus "bad" which is woefully inadequate. It's hard to do a deep dive into a funder's books if these are the metrics you rely on.