Payment history profile characters
Metro 2 payment history profile character H: foreclosure
The month the mortgage was reported in foreclosure status. Public Metro 2 references describe this character as foreclosure, and some specify foreclosure completed, so how it displays can vary. It's one of the terminal characters in the string, alongside collection, voluntary surrender, repossession and charge-off.
Sources describe this code with some variation. Public documentation doesn't agree on every detail of how payment history profile character H is used, so treat this as a general explanation. If it's on your report, the company that reported it can tell you exactly what it meant.
How it shows on your report
Usually FC or "Foreclosure" in that month's box.
How it affects your score
One of the most severe marks in the grid.
What to check
The foreclosure month should match the date in your foreclosure or sale documents. A short sale or deed in lieu shouldn't be shown as a foreclosure, because mortgage programs set different waiting periods for each, and the difference can decide whether you qualify for a new loan.
If this code is wrong on your report
- Metro 2 explained: the data format behind your credit reportHow lenders send coded data to the bureaus, and how disputes travel back to them.
- How to dispute a credit report error, step by stepA step-by-step guide to disputing credit report errors with Equifax, Experian and TransUnion: online vs. mail, what to include, and how to keep proof.
- Letter builderWrite dispute, goodwill, validation and identity theft letters. Free, printed by you, sent by you.
Sources
- Payment Profile (GoldPoint Systems CIM GOLD documentation)
- Payment History Profile field (Bureau Relay Metro 2 reference)
- Payment History Codes (Spinwheel API docs)
These explanations are ScoreTuner's plain-English summaries. The official specification is the CDIA Credit Reporting Resource Guide, which is copyrighted and not reproduced here. This is education, not legal advice.