Metro 2 Payment History Profile Code 1: 30 Days Past Due

Specification

Code	1
Meaning	30 Days Past Due
Field	Payment History Profile (Field 18)
Record	Base Segment
Length / position	24 chars · 112–135
Category	Early Delinquency
CRRG reference	CRRG Base Segment field definition, Payment History Profile

Marks a single missed cycle. The consumer missed one scheduled payment and has not yet missed a second.
A payment made a few days late but within the same billing cycle is not a 1. The character records the state at the end of the reporting month, after the grace period, not every late-by-a-day event.
1 is the character that most often appears exactly once in an otherwise clean profile, and it is also the character most often disputed, because a single 30-day late has a disproportionate effect on how the grid reads.
Does NOT mean 30 days since the last payment. It means one full contractual payment is outstanding.
Does NOT roll forward on its own. If the consumer misses the next cycle too, the following month reports 2, not another 1.

1A credit union reports a 60-month new-auto loan where the borrower missed the March payment and made the April payment on time; March reports 1 and April reports 1 or 2 depending on whether March was made up.
2A card issuer reports a cardholder who let one statement go unpaid after a change of address delayed the bill.
3A mortgage servicer reports a borrower who missed one monthly instalment following a payroll interruption and cured the following month.
4A retail instalment lender reports the first missed payment on a 12-month promotional financing plan.

Report 1 for the month in which the account was one cycle behind, and advance to 2 only if a second cycle is missed without the first being made up.
Populate the Date of First Delinquency the first time an account rolls into 1 and does not cure. That date does not move as the delinquency deepens.
Do not report 1 for a payment that arrived inside the grace period. That is a current month.
When the consumer cures, put 0 in position 1 for the current month and leave the historic 1 exactly where it is.
Do not use 1 as a soft substitute when the account is genuinely further behind. The ladder is factual, not discretionary.

A file can be structurally valid and still be wrong. These are the cross-field conditions Payment History Profile Code 1 has to satisfy.

Position 1 must match the current Payment Rating. A 1 in position 1 pairs with Payment Rating 1 (30 to 59 days past due).
1 in position 1 corresponds to Account Status 71 (30 to 59 days past due). Reporting 1 in position 1 with a current status is a status-versus-history mismatch.
Any delinquency character in the profile, including a single 1, implies a Date of First Delinquency must be present on the record if the delinquency was never cured.
Amount Past Due should be populated and should be consistent with roughly one missed scheduled payment.
The string fills from position 1 without gaps, so a 1 must sit in a consecutive run with the months around it.