Include recurring and contractual payments such as revolving, installments or any others having a repayment plan and you are a primary holder (1st name listed on the account).
Include because you are making payments and account is not a joint account with another lessee (e.g. child support, alimony, you are a secondary holder and you submit payments).
Exclude accounts for a lessee listed as a secondary holder and is a joint account with another lessee who is a primary holder.
Exclude prepaid and non-contractual payments such as automobile insurance, life insurance, phone and internet services because you can negotiate lower payments or eliminate payments.
If you make payments other than monthly, alternatively, calculate as a monthly payment (e.g. a payment made every three (3) months is payment divide by three (3).
If you have no debts, liabilities or obligations, please input number 0 (zero).

Past due accounts are collections, judgements, taxes such as federal, state, local, personal property, or other past due balances.