try this - you did not say what if BE=BJ, but this may need only minor updates?

=IF(AND(BE8<$BJ$1,BG8="."),"Yes",IF(OR(BE8$BJ$1,B G8="."),"No",IF(BG8<".","PIF")))
you did not say

"NewAccessUser" wrote:

=IF(BE8<$BJ$1,IF(BG8=".", "Yes",(OR(IF(BE8$BJ$1,IF(BG8=".","No", "PIF"))))))

This formula is not working properly
BE = Date Due
BJ = Today
BG = "." (or will contain a date)

Need to have Yes if BE<BJ and BG = "."
Need to have PIF if BE< or BJ and BG = some date
Need to have No if BEBJ and BG = "."