Account Terms
Payment History Profile: Definition
A 24-month history of payment performance.
Definition
Payment History Profile is a 24-character field that records the payment performance for each of the past 24 months. Each position represents one month, with the most recent month first. Values indicate whether payments were current, 30 days late, 60 days late, 90+ days late, or other statuses.
Examples
0000000000000000011111111 = Last 8 months current, previous 16 months 30+ days
Usage Notes
- Most recent month is first position
- 0 = Current, 1 = 30 days, 2 = 60 days, etc.
- Critical for credit score calculation
Related Metro 2 Fields
Related Terms
More Account Terms
Account Status
A code indicating the current condition of an account.
Account Type
A code specifying the type of credit account.
Account Number
The unique identifier assigned to a credit account.
Amount Past Due
The total amount currently overdue on an account.
Current Balance
The total outstanding balance on an account.
Credit Limit
The maximum amount of credit available on a revolving account.
Highest Credit
The highest balance ever recorded on the account.
Original Loan Amount
The initial amount borrowed on an installment account.
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