Reporting Payment History Profile

 Contains up to 24 months of consecutive payment activity. Top left box is the most recent and bottom right box would be the 24'th month.

Values Available:

0 - 0 payments past due (current account)
1 - 30 - 59 days past due date
2 - 60 - 89 days past due date
3 - 90 - 119 days past due date
4 - 120 - 149 days past due date
5 - 150 - 179 days past due date
6 - 180 or more days past due date
B - No payment history available prior to this time.
D - No payment history available this month.
E - Zero balance and current account
G - Collection
H - Foreclosure
J - Voluntary Surrender
K - Repossession
L - Charge-Off
  No other values are acceptable in this field


Examples of Account Status and Payment History Profile:

A. Status Code = 11; Billing Date = 01/31/2000
 
0 0 0 0 1 1 0 0 0 0 0 0
E E E E O O O O B B B B
 

In the above example, Payment History data represents, from left to right, 12/31/1999 through 01/31/1998. The E's indicate that the account was current with a zero balance in 12/1998, 11 /1998, 10/1998 and 09/1998. The B's indicate that no payment history was available prior to 05/1998, which was most likely the date the account was opened.
B. Status Code = 80; Billing Date = 01/31/2000;
Date of First Delinquency = 08/31/1999
 
2 2 1 1 1 0 O O O O D D
0 0 0 1 0 1 0 0 0 0 0 0
 

In the above example, Payment History data represents, from left to right, 12/31/1999 through 01/31/1998. The D's indicate that no payment history was available for 02/1999 or 01/1999.
C. Status Code = 11; Billing Date = 01/31/2000
 
E E E E E E E E E O O O
E E E E O O O O E E O O
 

In the above example, Payment History data represents, from left to right, 12/31/1999 through 01/31/1998. The E's indicate that the account was current with a zero balance from 12/1999 through 04/1999, from 12/1998 through 09/1998, and from 04/1998 to 03/1998. The account was current (and active) during the other months.
D. Status Code = 97; Billing Date = 01/31/2000;
Date of First Delinquency = 06/30/1998
 
L L G G G G G G G G 6 6
6 5 4 3 3 2 1 0 0 0 1 0
 

In the above example, Payment History represents, from left to right, 12/31/1999 through 01/31/1998. The L's indicate that the account was a charge-off from 12/1999 through 11/1999, and the G's indicate that the account was a collection from 10/1999 through 03/1999.
 

Note: The Date of First Delinquency (06/30/1998) represents the date of the 30-day delinquency that led to the status being reported.