Field 18RequiredPayment Information
Metro 2 Field 18: Payment History Profile
24-character field containing the month-by-month payment history for the past 24 months. Position 1 is the most recent month, position 24 is the oldest.
Quick Reference
Field Number:18
Position:112-135
Length:24 characters
Type:alphanumeric
Record:Base Segment
Required:Yes
Allowed Values
| Value | Meaning |
|---|---|
| 0 | Current/Paid as agreed |
| 1 | 30 days past due |
| 2 | 60 days past due |
| 3 | 90 days past due |
| 4 | 120 days past due |
| 5 | 150 days past due |
| 6 | 180+ days past due |
| B | No payment history available this month |
| D | No payment history: account paid or closed |
| E | No payment history: account in dispute |
| G | Collection |
| H | Foreclosure completed |
| J | Voluntary surrender |
| K | Repossession |
| L | Charge-off |
Validation Rules
- Position 1 must match current Payment Rating
- Cannot show improvement after charge-off
- Must fill from position 1; cannot leave gaps
Examples
000000000000000000000000100000000000000000000000L00000000000000000000000Common Errors
- First position doesn't match Payment Rating
- Gaps in the middle of payment history
- Account improving after charge-off
Tips & Best Practices
- Pad right with 'B' for months before account opened
- First position must always match current Payment Rating
- Think of this as a rolling 24-month window
Related Fields
Other Payment Information
Automate Field Validation
Metro2 software automatically validates all fields against Metro 2 specifications, catching errors before submission.