The payment history usually comes through but sometimes the "comments" do not and might even have different comments on the credit report. For example on some put together trade lines I created, a charge-off it would appear as:
Account Name/Number (Sources) Past due MR Last
Open High Payment Balance MOP Status Rptd 30 60 90+ MD MxDlq
9. CAPITAL 1 BK/123456 (EFX,XPN,TUC)
I 02-05 1819 N/A 1819 R-9 COLL/P&L 07-07 02 03 03 96 01-01
Hist: 07-07 999999-99999999---999999 CLSD 07-07 APP
Term: REV
Lates: ADDT'L LATES PRIOR TO 7-04
ACCT SUBMITTED TO COLLECTION COLL 07-06
CHARGE OFF CHRG $878 CHRG 02-01
CLOSED BY CREDITOR
PAST DUE PAST $1819
CLOSED BY CONSUMER
On an OK account it would appear as
16. THD/CBUSA/123456 (EFX,XPN,TUC)
I 02-05 3451 0 0 R-1 CURRENT 07-07 00 00 00 30
Hist: 07-07 111111111111111111 PYMT 05-07 APP
Ctgy: CHARGE ACCOUNT Term: REV Lmt: 4800
CHARGE
The "Hist:" means the payment history. 1's are on time payments. 2's are 30 day lates, 3's are 60 day lates, 4's are 90 day lates, 5's are 120 day lates and then there are 8's & 9's which denotes it was marked as "in default" for that month. It also will give a historical payment history under the "past due" section where it says how many "30", "60", and "90+" day late payments there has been in the months reported or "MR" on the credit report. It'll say what type of account (revolving, installment, open, mortgage) where it says "R-9" & "R-1", those are both revolving accounts. If it's a delinquent account there is usually some comments like there is in the above example, so someone reading might be able to match it up to the collection account elsewhere on the credit report, help determine when items actually went first delinquent, etc.
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