Metro 2 Payment Rating 2: 60-89 Days Past Due

Specification

Code	2
Meaning	60-89 Days Past Due
Field	Payment Rating (Field 17B)
Record	Base Segment
Length / position	1 char · 111–111
Category	Delinquency Ladder
CRRG reference	CRRG Base Segment field definition, Payment Rating

Rating 2 means two full cycles have gone unpaid, measured from the contractual due date of the oldest unpaid payment.
The Date of First Delinquency does not move when the rating advances from 1 to 2. The DOFD is anchored to the start of the delinquency that never cured, and it is the same date it was a month earlier.
It does not mean two separate late payments at different times. Two isolated 30-day lates a year apart are two rating-1 events, not a rating 2.
It does not imply any adverse action. Acceleration, repossession, and charge-off are separate decisions expressed through Account Status, not through the rating.

1A credit union reports an auto loan where the borrower has missed two consecutive monthly payments and has made no partial payment.
2A card issuer reports a revolving account 65 days past due after two missed minimum payments.
3A servicer reports a mortgage in the second month of an uncured delinquency while a loss-mitigation application is pending.
4A private student lender reports a loan two cycles behind after an unsuccessful forbearance request.

Advance the rating only when the account genuinely crosses 60 days. Advancing early makes the tradeline harsher than the contract supports.
Keep the Date of First Delinquency stable across the whole uncured delinquency. Rolling it forward each month is a serious FCRA problem because it extends the reporting period.
Report a partial cure honestly. If a payment brings the account back inside 30 to 59 days, the rating returns to 1 while the DOFD stays where it was.
Do not use a delinquent rating as shorthand for an account you have simply stopped servicing. If the account has ended, the Account Status has to say so.

A file can be structurally valid and still be wrong. These are the cross-field conditions Payment Rating 2 has to satisfy.

Corresponds to Account Status 78 in the delinquency ladder.
Requires a Date of First Delinquency, and that date must not move as the rating advances through the ladder.
Amount Past Due should be consistent with two missed scheduled payments, which for a level-payment installment loan is roughly twice the Scheduled Monthly Payment.
Position 1 of the Payment History Profile must agree with the current rating.
Not valid alongside the transfer and sale statuses 61 through 65, which require zero Current Balance and zero Amount Past Due.