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The Payment Profile field does not record payment activity until after the monthend Credit Reporting Update process has run. For example, if it is July of 2016, you will only see 24-month payment information from June of 2016 to July 2014.

The Payment Profile is an alphanumeric field and is reported to credit repositories. It is updated each monthend (as explained in the Credit Reporting Process topic). As updating occurs, only the information for the prior month is updated. All other months remain the same, except the information for prior months shifts to the right. Payment Profile codes 0-6 show the number of days delinquent in 30-day increments.

This field is automatically updated by the system according to activity on the account. However, you can make changes to this field if there are discrepancies. Any information you change here is reported to the Credit Bureaus. You can change data for prior months as well, and they will also be sent to the Credit Bureaus. To file maintain this field, right-click on a month, and then select the category for the Payment Profile of that month, as shown below:

pmtprofilefield_crs

File maintenance to this field writes to loan History.

Valid codes for the Payment Profile are as follows:

Codes	Credit Profile Description
0	Payments not past due (current)
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 prior to this time
D*	No payment history available this month (Converting loans can have this)
E	Zero balance and current account (zero balance line-of-credit loans)
G	Collection
H	Foreclosure
J	Voluntary Surrender
K	Repossession
L	Charge-off

* Note: A "D" can indicate many things determined by your institution as to why there is no payment history available. A deferment is one of those reasons. See the Deferment field group.

Hold Codes

If any of the below-mentioned hold codes is present on an account at the end of the month, the Payment Profile for that month is updated as follows:

GOLDPoint Systems Hold Code	Will Appear As:
1 - Foreclosure completed	H - Foreclosure
2 - Charge off	L - Charge off
91 - Collection account	G - Collection
92 - Voluntary surrender	J - Voluntary surrender
93 - Repossession by grantor	K - Repossession