Missing Payment History
A tradeline that is missing month-by-month payment history data, which is normally required to fully describe how an account has been paid.
What is this?
Payment history is the month-by-month record of how an account has been paid. When that history is blank or partially missing, a reader cannot verify the account's true payment pattern.
Why is it important?
Payment history is one of the most heavily used pieces of information on a credit report. Missing months can leave a reader with an incomplete picture of the account.
Where might it appear?
Missing history typically appears within the tradeline detail section of a credit report, in the payment grid or the monthly status columns.
How does VoidMyReport review this type of reporting information?
VoidMyReport looks at whether the account's reported timeline contains gaps or blank months that would normally be populated for an active or historical account, and flags the tradeline for educational review.
Supporting documentation
- Prior monthly statements
- Payment confirmations
- Bank records showing payment activity