Payment history profile characters
Metro 2 payment history profile character 5: 150 days past due that month
For this month the account was reported 150 to 179 days past due. Each character covers one month, and the string runs from most recent on the left back 24 months. Bureaus translate the character into their own symbol before you see it.
How it shows on your report
Shown as 150 or 120+ in that month's box, depending on the bureau's key.
How it affects your score
Counts as a late payment for that month. More recent and more severe lates generally weigh more.
What to check
Read the months in order. A delinquency can deepen only about one band per month, so this character should follow the band just below it, or a repeat of the same band. A month you were in an approved forbearance, deferment or trial plan, or a month after payoff, shouldn't carry a late.
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)
- Metro 2 Base Segment (Galileo, SoFi Technology Platform 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.