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 Prior to This Time |
| D | No Payment History Reported This Month |
| E | Zero Balance and Current Account |
| 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 Prior to This TimeDNo Payment History Reported This MonthEZero Balance and Current AccountGCollectionHForeclosure 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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