Base Segment ErrorsCritical

    B014Invalid Payment History Profile

    The payment history profile contains invalid characters or format

    Affected Field
    #23Payment History Profile

    Description

    The Payment History Profile is a 24-character field showing the last 24 months of payment behavior. Each position should contain a valid payment rating code (0-6, B, D, E, etc.) or blank for months before account opening. Invalid characters or incorrect length will cause rejection.

    Common Causes

    • Invalid rating codes used
    • Incorrect length (must be exactly 24)
    • Non-standard characters included
    • History not properly shifted each month

    How to Fix

    1. 1Use only valid payment rating codes
    2. 2Ensure exactly 24 characters
    3. 3Shift history left and add new month on right
    4. 4Use blanks or B for months before account opened

    Examples

    Invalid
    111111111111111111111111X
    Valid
    1111111111111111111111110
    X is not a valid payment rating; use 0-6 or valid status codes

    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 B014 before you submit to the credit bureaus.

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