Field 23OptionalAmount Fields

    Metro 2 Field 23: Original Charge-off Amount

    The dollar amount that was originally charged off, reported when Account Status is 97 (charge-off). It remains constant for the life of the tradeline even as the current balance changes through recoveries.

    Quick Reference

    Field Number:23
    Position:213-221
    Length:9 characters
    Type:numeric
    Record:Base Segment
    Required:No

    Validation Rules

    • Numeric whole dollars, zero-filled
    • Required context when Account Status is 97
    • Should not change once reported, even if recoveries reduce the balance

    Examples

    000004500000012000

    Common Errors

    • Lowering the original charge-off amount after partial payments
    • Reporting a charge-off status without the original charge-off amount

    Tips & Best Practices

    • Original Charge-off Amount is historical and fixed; Current Balance is what is still owed
    • See status code 97 for full charge-off reporting guidance

    Related Fields

    17A
    Account Status
    A two-character code indicating the current status of the ac...
    21
    Current Balance
    The current outstanding balance on the account as of the Dat...
    22
    Amount Past Due
    The amount currently past due on the account. Must be zero f...

    Other Amount Fields

    21Current Balance22Amount Past Due25Credit Limit26Highest Credit/Original Loan Amount29Scheduled Monthly Payment Amount30Actual Payment Amount

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    Original Charge-off Amount - Metro 2 Field 23