Payment Rating and 24-Month History Decoder

How Payment Rating and the 24-month Payment History Profile should match, and where they disagree.

What is inside

How the monthly history is read, and in which order
Pairs of rating and history that must describe the same account
Patterns that need verification, not an automatic dispute

Who it is for: Dispute operators checking whether the payment history on a tradeline is internally consistent.

Questions

Which field wins if the rating and the history disagree?

Neither wins by default. Both come from the furnisher, so the disagreement is the finding. Verify with the furnisher and keep both values in the file.

Does a clean recent history remove an old late mark?

Not by itself. An accurate late mark stays reportable for the period the law allows. Only inaccurate or unverifiable marks should be disputed.

SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.