Metro 2 payment history profile characters
The payment history profile is a 24-character string, one character per month, that becomes the month-by-month grid on your report. The most recent month comes first. Each character records the account's condition that month: current, a band of days late, no data, or a severe outcome like collection or charge-off. Bureaus translate these characters into their own symbols, such as OK, 30, 60, or CO, so the labels you see won't match the raw codes, and they differ from bureau to bureau.
All 15 payment history profile characters
- 0Current that monthThe account was current for this month, meaning it was not 30 or more days past due when the lender reported.
- 130 days past due that monthA 1 means the account was 30 to 59 days past due for that month: one payment missed and not yet made up.
- 260 days past due that monthA 2 means the account was 60 to 89 days past due for that month: two payments behind.
- 390 days past due that monthA 3 means the account was 90 to 119 days past due for that month: three payments behind.
- 4120 days past due that monthA 4 means the account was 120 to 149 days past due for that month: four payments behind.
- 5150 days past due that monthA 5 means the account was 150 to 179 days past due for that month: five payments behind.
- 6180 or more days past due that monthA 6 means the account was 180 or more days past due for that month.
- BNo history before this pointThere is no payment history for this month and earlier, usually because the account wasn't open yet or the lender has no history to send for that period.
- DNo history reported this monthThe account existed, but the lender sent no payment status for this month.
- EZero balance and currentThe account was open, in good standing and carried no balance that month.
- GCollectionThe account was in collection status that month, either with the lender's own collection department or an outside agency.
- HForeclosureThe month the mortgage was reported in foreclosure status.
- JVoluntary surrenderThe month the collateral, usually a vehicle, was voluntarily returned to the lender because the payments couldn't continue.
- KRepossessionThe month the lender repossessed the collateral, usually a vehicle.
- LCharge-offThe month the account was reported as charged off, meaning the lender wrote the balance off as a loss, and typically the months after while it stays in that status.
Other Metro 2 code families
- Account status codes 23
- Payment rating codes 9
- ECOA codes 9
- Compliance condition codes 10
- Special comment codes 37
If a code on your report is wrong, you can dispute it with the bureau or with the company that reported it. Start with how to dispute a credit report error, then use the free letter builder to write it. Look up any code.