Field 18RequiredPayment Information
Metro 2 Field 18: Payment History Profile
24-character field containing the month-by-month payment history for the past 24 months. Position 1 is the most recent month, position 24 is the oldest.
Quick Reference
Field Number:18
Position:112-135
Length:24 characters
Type:alphanumeric
Record:Base Segment
Required:Yes
Allowed Values
| Value | Meaning |
|---|---|
| 0 | Current / Paid As Agreed |
| 1 | 30 Days Past Due |
| 2 | 60 Days Past Due |
| 3 | 90 Days Past Due |
| 4 | 120 Days Past Due |
| 5 | 150 Days Past Due |
| 6 | 180 Or More Days Past Due |
| B | No Payment History Available This Month |
| D | No Payment History: Account Paid Or Closed |
| E | No Payment History: Account In Dispute |
| G | Collection |
| H | Foreclosure Completed |
| J | Voluntary Surrender |
| K | Repossession |
| L | Charge-Off |
Payment History Profile Codes: full reference
The fifteen single characters that make up the 24-month payment grid, one character per month, most recent first. Each code has its own page covering what it means, when to report it, and the cross-field rules it has to satisfy.
0Current / Paid As Agreed130 Days Past Due260 Days Past Due390 Days Past Due4120 Days Past Due5150 Days Past Due6180 Or More Days Past DueBNo Payment History Available This MonthDNo Payment History: Account Paid Or ClosedENo Payment History: Account In DisputeGCollectionHForeclosure CompletedJVoluntary SurrenderKRepossessionLCharge-Off
Validation Rules
- Position 1 must match current Payment Rating
- Cannot show improvement after charge-off
- Must fill from position 1; cannot leave gaps
Examples
000000000000000000000000100000000000000000000000L00000000000000000000000Common Errors
- First position doesn't match Payment Rating
- Gaps in the middle of payment history
- Account improving after charge-off
Tips & Best Practices
- Pad right with 'B' for months before account opened
- First position must always match current Payment Rating
- Think of this as a rolling 24-month window
Related Fields
Other Payment Information
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