Field 19OptionalDate Fields
Metro 2 Field 19: Date of First Delinquency
The date of the first delinquency that led to the current derogatory status. Critical for determining when negative information falls off credit reports (7-year rule).
Quick Reference
Field Number:19
Position:136-143
Length:8 characters
Type:date
Record:Base Segment
Required:No
Validation Rules
- Required for derogatory accounts
- Cannot be before Date Opened
- Cannot be in the future
- Once set, should not change
Examples
0615202209012021 Common Errors
- Missing for charge-off/collection
- Using charge-off date instead of first late date
- Resetting when delinquency cured
Tips & Best Practices
- This triggers the 7-year reporting clock
- Use first date account went 30+ days late
- Critical for FCRA compliance
Related Fields
Other Date Fields
Automate Field Validation
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