Payment History Profile (24-Month String)
A rolling record of monthly performance consumers see on credit reports.
Updated 8/14/2025 · 1 min read
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Signal over time
The history string encodes 24 months of performance, with the most recent month on the left. While optional in some cases, it is valuable for trend analysis and dispute defense.
Alignment
The current month's symbol should align with status and past-due. Terminal conditions (e.g., collection, charge-off) should appear in the correct month.
Last updated
8/14/2025