BNo History
Payment History Profile Code B: No Payment History Available Prior to This Time
Payment History Profile Code B means "No Payment History Available Prior to This Time". No payment history exists for that month because the account was not yet open, or because history from before that point cannot be furnished. B only ever pads the oldest end of the string. It is reported in Payment History Profile (Field 18) of the Base Segment, 24 characters at position 112.
Specification
| Code | B |
|---|---|
| Meaning | No Payment History Available Prior to This Time |
| Field | Payment History Profile (Field 18) |
| Record | Base Segment |
| Length / position | 24 chars · 112–135 |
| Category | No History |
| CRRG reference | CRRG Base Segment field definition, Payment History Profile |
What Payment History Profile Code B means
- B describes the months BEFORE the history you can report begins. An account opened eight months ago reports real characters in positions 1 through 8 and B in positions 9 through 24.
- B may not be embedded between other characters. Once a real character appears, every newer position must also carry a real character; a month you cannot evidence inside the history is D, not B.
- B is also correct when a portfolio was acquired or converted and the history before that date did not transfer. The B characters then start at the conversion month and run to position 24.
- B is not a delinquency and not a positive. Never use it to soften a month you know was late.
When to report B
- 1A credit union opens a 60-month auto loan; after the first reporting cycle, position 1 carries a real character and positions 2 through 24 are B.
- 2A servicer takes over a portfolio and receives no payment history for the months before the transfer.
- 3A furnisher begins Metro 2 reporting and has verified history only for the most recent few months.
Reporting rules
- Pad the trailing positions of a new account with B rather than 0. The account did not exist, so it cannot have been paid as agreed.
- Keep B at the end of the string. A B followed by newer real characters is rejected as an embedded B.
- As history accumulates, the window shifts and real characters replace the leading B positions.
Codes and fields that must agree
A file can be structurally valid and still be wrong. These are the cross-field conditions Payment History Profile Code B has to satisfy.
- B characters must be trailing: no real character may sit in an older position than a B.
- The number of real positions should be consistent with Date Opened. An account opened three years ago that still reports mostly B has a history-completeness problem.
- Payment Rating has no B value, so B is never reconciled against Payment Rating.
- B carries no delinquency and neither requires nor implies a Date of First Delinquency.
Common errors involving B
Vocabulary
Keep browsing
- All 15 payment history profile codes — the full set with categories and cross-field rules.
- Metro 2 codes cheat sheet — every CRRG code set on one page.
- Payment History Profile field reference — position, length, and validation rules.
- Metro 2 format reference
See Payment History Profile Code B in your own file
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