Metro 2 Payment History Profile Code D: No Payment History Reported This Month

Specification

Code	D
Meaning	No Payment History Reported This Month
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

D fills a single month, or a run of months, inside an otherwise continuous history when no status was reported for it.
D is the character for a gap in the middle of the string. B is only for the oldest months, before history begins, so the two are not interchangeable.
CRRG bankruptcy guidance uses D: on a Chapter 12 or 13 account, each month after the petition increments position 1 with D until the case is resolved.
D is neither positive nor negative. It does not mean the account was paid, closed, settled, or charged off; those states are reported through Account Status and the other characters.

1A servicer's system was down for a cycle and no status was furnished for that month, while the months before and after were reported normally.
2A Chapter 13 bankruptcy account reports D in the months following the petition, as CRRG bankruptcy guidance requires.
3A furnisher skipped a reporting cycle and the missing month is backfilled as D rather than an assumed 0.

Use D for a month inside the history that was not reported. Do not invent a 0 for a month you cannot evidence.
Use B, not D, for the months before the account's history begins.
When you later establish the true status of a D month, correct it with the accurate character.

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

D may be embedded between other characters; B may not.
Payment Rating has no D value, so a D in position 1 is reconciled against Account Status.
D does not create or cancel a Date of First Delinquency. If other positions show a delinquency that was never cured, the date is still required.