SWITCH LABS
    FeaturesPricingDevelopersMetro 2 GuideFAQAbout

    Metro 2 Topics

    Responsibilities and Roles in Credit Reporting
    Industry Standards: Why Metro 2® Exists
    Automated Data Reporting (ADR)
    Metro 2® Format: A Practical Overview
    Record Layouts: Fields, Positions, and Validation
    Header Record: Identifying the File
    Base Segment: The Backbone of Each Tradeline
    Stable Identifiers and Account Numbers
    Portfolio and Account Type
    Key Dates: Opened, Last Payment, Closed
    Credit Limit and Highest Credit
    Terms: Duration and Frequency
    Scheduled vs. Actual Payment
    Account Status Fundamentals
    Payment Rating
    Payment History Profile (24-Month String)
    Special Comment Codes: Narrative Context
    Compliance Condition Codes (Dispute/Legal Flags)
    Current Balance and Amount Past Due
    Charge-Off and Original Charge-Off Amount
    FCRA Date of First Delinquency (DOFD)
    Date of Account Information (As-Of)
    Reporting Paid and Closed Accounts
    Reporting Transfers and Refinances
    J1 Segment: Associated Consumer (Same Address)
    J2 Segment: Associated Consumer (Different Address)
    K1 Segment: Original Creditor Name
    K2 Segment: Purchased From / Sold To
    K3 Segment: Mortgage Information
    K4 Segment: Specialized Payment Information
    L1 Segment: Account Number Change
    N1 Segment: Employment
    Trailer Record: Balancing the File
    BDW and RDW: Block and Record Descriptors
    Character vs. Packed Formats
    File-Level Balancing and Totals
    Industry Focus: Child Support
    Industry Focus: Credit Cards
    Industry Focus: Debt Buyers and Collections
    Industry Focus: Loan Finance Companies
    Industry Focus: Mortgage Lending
    Industry Focus: Point-of-Sale Financing
    Industry Focus: Residential Rental
    Industry Focus: Retail (Store Cards)
    Industry Focus: Sales Finance
    Industry Focus: Student Loans (Federal)
    Industry Focus: Student Loans (Private)
    Bankruptcy Reporting Overview
    Repossession and Foreclosure
    Collections and Recovery
    Charge-Off Timing and DOFD
    Dispute Flags and e-OSCAR
    Consumer Dispute Process
    Accuracy, Integrity, and Consistency
    Common Validation Edits and How to Fix Them
    Implementation Checklist
    Glossary: Plain-English Metro 2® Concepts
    Metro 2® FAQ
    Resources and Disclaimer
    Utilization and Limit Reporting
    Open vs. Revolving vs. Installment
    Payment Hierarchy and Delinquency Calculation
    Account Status Categories
    Data Quality Monitoring and Audit
    Onboarding as a New Furnisher
    Browse all topics →
    Home/Metro 2/Payment Rating
    ← Account Status FundamentalsPayment History Profile (24-Month String) →

    Payment Rating

    A one-character indicator required in specific derogatory scenarios.

    Updated 8/14/2025 · 1 min read

    When required

    Payment rating complements the main status when an account reaches certain delinquency or final conditions. Furnishers typically omit it for current or paid accounts and include it when rules specify.

    Last updated
    8/14/2025
    Related topics
    • Account Status Fundamentals
    • Payment History Profile (24-Month String)
    • Charge-Off Timing and DOFD

    SWITCH LABS

    Modern Metro 2 credit reporting made simple and accessible for businesses of all sizes.

    Quick Links

    • Features
    • Pricing
    • Developer Center
    • Documentation
    • Contact

    Company

    • About Us
    • Careers
    • Blog
    • Legal

    Resources

    • Metro 2 Guide
    • Changelog
    • RSS Feed

    Contact

    434 Pine St

    San Francisco, CA 94158

    hello@switchlabs.dev

    © 2025 Switch Labs LC. All rights reserved.

    Privacy PolicyTerms of Service