Base Segment ErrorsCritical

    B026Date of First Delinquency Missing on Delinquent Account

    A delinquent or charged-off account has no Date of First Delinquency

    Affected Field
    #19Date of First Delinquency

    Description

    The Date of First Delinquency (DOFD) is the FCRA-critical date that governs how long negative information remains on a credit report. Any account reported as delinquent (Status 71-84), in collection (93), or charged off (97) must carry an accurate DOFD. A missing or shifting DOFD is one of the most serious Metro 2 data-quality problems because it can cause information to age off too early or too late.

    Common Causes

    • DOFD never captured when the account first went delinquent
    • DOFD reset when the account was sold or re-aged
    • Confusing DOFD with Date of Last Payment

    How to Fix

    1. 1Populate the original DOFD — the date the account first became delinquent and was never again brought current
    2. 2Never advance (re-age) the DOFD; it stays fixed for the life of the delinquency
    3. 3Carry the DOFD through portfolio sales so the obsolescence clock is preserved

    Related Errors

    B002
    Invalid Account Status
    The account status code is not a valid Metro 2 status

    More Base Segment Errors

    B001
    Missing Account Number
    B002
    Invalid Account Status
    B003
    Status and Payment Rating Mismatch
    B004
    Invalid ECOA Code
    B005
    Missing SSN or Date of Birth
    B006
    Invalid Date Format

    Catch Errors Before Submission

    Metro2 software validates every field and catches errors like B026 before you submit to the credit bureaus.

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    B026: Date of First Delinquency Missing on Delinquent Account - Metro 2 Error