Payment History Profile — Building the 24-Month String
How to build and maintain the 24-month payment history profile in Metro 2. Covers monthly status values, delinquency progression, and what consumers see on their 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