While creditors report the actual payments made by a consumer as well as the minimum payment that is normally due, those are not used in scoring, and are provided for manual review reference only. Many commercial credit reports do not even provide the history of actual payments made.
I would not be concerned.
Payment History Profile records the status of the account as of the month/year of the reporting, which will be paid/pays as agreed if the account is in good standing when that reporting is made, or will provide the delinquency status, such as 30-late, 60-late, or charged-off, as of the date of reporting.
The complete Payment History Profile is a string of data that goes back many months, and is used by FICO to determine the severity and age of prior derogs.
The FCRA does not mandate that creditors report to CRAs, or that they report each and every month.
It requires that what is reported must not knowingly be inaccurate, and that if information changes, updated reporting must be "promptly" provided so as to reflect its current accuracy.
It is not necessary that a creditor report each successive level of delinquency. They can, for example, wait until an account is 90-days late before reporting, thus omitting reporting of a 30 and 60-late. That is considered to be acceptable reporting. Some creditors will even choose to omit any reporting of monthly delinquencies, and only report the delinquency when it becomes a charge-off.
You could challenge a payment history profile that omits obvious monthly lates, as FCRA 611 permits one to challenge the accuracy or completeness of reported information, but consumers will rarely do this, as the outcome will be the addition of more monthly delinquencies. It is conventional and accepted as proper reporting for creditors to omit each and every level of delinquency. I would not advise disputing that practice, as it is not to your benefit, and it has become the norm.
