Metro 2 Payment History Profile Code D: No Payment History: Account Paid Or Closed

Specification

Code	D
Meaning	No Payment History: Account Paid Or Closed
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 is a reason, not a gap. It says the month is blank because there was nothing left to pay, which is a materially different statement from B.
The usual pattern is a closed account whose most recent months carry D while the older positions still carry the real history the account accumulated while it was open.
D is a positive-adjacent character in practice, because it can only be true for an account that reached a settled end state. It is still classed as no-history rather than as current, because no payment was due or made.
D is NOT the same as B. Furnishers confuse these constantly. B means the furnisher has no history for that month; the account may well have been live and paying. D means the account itself had no history to give because it was paid or closed. Reporting B on a closed account makes it look like the servicer lost the data; reporting D on a live account makes it look like the account is settled when it is not.
D does NOT mean charged off, settled for less, or written off. A charged-off account's charge-off month is L, and the months afterward continue to describe the account's real state.

1A credit union reports a 36-month auto loan that was paid in full ten months ago; positions 1 through 10 carry D and positions 11 onward carry the loan's real payment history.
2A card issuer reports a revolving account the cardholder closed with a zero balance last quarter.
3A mortgage servicer reports a loan paid off at the sale of the property, with the months after payoff reporting D.
4A retail lender reports a promotional-financing plan that completed its term and closed on schedule.

Use D only after the account genuinely reached a paid or closed state. Before that point, the correct characters are the real payment history.
Do not blank out the account's earlier history when it closes. The window keeps rolling and the pre-closure months keep their characters until they age out.
Do not use D on an account that is still open with a balance, even if the consumer made no payment that month. A month with nothing due on a live revolving account is 0, not D.
Do not use D as a general-purpose no-history filler. That is what B is for.

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

Payment Rating does not publish a D value, so a D in position 1 has to be reconciled against Account Status rather than against Payment Rating directly.
D in position 1 pairs with a paid or closed Account Status such as 13 (paid or closed, zero balance) or one of the 61 through 65 paid statuses, all of which require Current Balance and Amount Past Due of zero.
Date Closed should be populated on an account whose recent positions carry D. A profile full of D with no Date Closed is a contradiction.
D does not imply a Date of First Delinquency. If the older positions of the same string contain delinquency characters, the Date of First Delinquency obligation comes from those positions, not from D.
The no-gaps rule still applies: D fills consecutive positions from position 1 backward to the month of payoff or closure.