Metro 2 Payment History Profile Code 0: Current / Paid As Agreed

Specification

Code	0
Meaning	Current / Paid As Agreed
Field	Payment History Profile (Field 18)
Record	Base Segment
Length / position	24 chars · 112–135
Category	Current
CRRG reference	CRRG Base Segment field definition, Payment History Profile

Means the account was current at the close of that reporting month, not that the balance was zero. A revolving card carrying a balance and paying its minimum on time reports 0 every month.
A single 0 does not undo the months around it. A profile reading 0 0 1 0 0 still contains a 30-day late at position 3, and that late month stays where it is for the remaining life of the window.
Curing a delinquency changes the CURRENT month to 0. It does not retroactively rewrite the earlier positions that were genuinely late, and rewriting them is the most common way a furnisher creates an inconsistency between the profile and the Date of First Delinquency.
Does NOT mean paid in full, paid off, or closed. Those are D, plus the Account Status and Date Closed fields.
Does NOT mean no history. A month with no history is B or D, never 0. Zero-filling unknown months is the single most damaging shortcut in this field because it manufactures a clean payment record that never happened.

1A credit union reports a 60-month new-auto loan in month 14 where the borrower has paid every instalment on the due date; positions 1 through 14 are all 0.
2A revolving card account carrying a rolling balance where the cardholder pays at least the minimum by the statement due date each cycle.
3A mortgage servicer reports a loan that was 30 days late nine months ago and has been paid on time since; positions 1 through 8 are 0 and position 9 is 1.
4A retail instalment account where the consumer brought a past-due balance current this month, so position 1 becomes 0 while the earlier delinquency characters stay untouched.

Report 0 only for a month you can evidence as paid as agreed. If you do not have payment history for that month, B is the honest character.
Do not back-fill 0 into months that predate the account's opening. Those positions get B.
Do not overwrite a prior month's delinquency character with 0 because the account later cured. Cure moves position 1; it does not erase position 5.
When an account cures out of delinquency, change the Account Status to the current status and the Payment Rating to 0 in the same record that puts 0 in position 1.

A file can be structurally valid and still be wrong. These are the cross-field conditions Payment History Profile Code 0 has to satisfy.

Position 1 must match the current Payment Rating. A 0 in position 1 with any Payment Rating other than 0 is the classic position-1 mismatch edit.
0 in position 1 pairs with a non-delinquent Account Status such as 11 (current account) or a paid or closed status. It contradicts the delinquency statuses 71, 78, 80, 82, 83 and 84, which by definition say the account is past due right now.
0 in position 1 normally means Amount Past Due is zero. A current month with a populated Amount Past Due is an amount-versus-status contradiction.
The string must fill from position 1 without gaps, so a 0 cannot sit behind an unpopulated position.
An all-0 profile on an account that also carries a Date of First Delinquency is contradictory: either the delinquency fell outside the 24-month window, in which case the record should be reviewed, or one of the two fields is wrong.