CHECKDISPUTE | FREE PRACTICE CHECKLIST
How to Compare a Payment History Grid With Statements

1. Record the account as printed: creditor name, account number, report page and report date.
2. Find the legend printed on your own copy of the report and note what each mark means there.
3. Pick one month to check first — the cell you suspect — and write down what it says.
4. Pull the statement covering that period; record the due date and minimum due.
5. Pull your payment record for that month; record the amount and the posting date.
6. Compare all three and write one sentence: what the cell says, what your records show.
7. Repeat for each remaining suspect cell — one cell at a time, never the whole grid at once.
8. Note any month present on one bureau's report but absent from another's.

Practice: https://checkdispute.com/learn/practice/article-13/
Full guide: https://checkdispute-guides.blogspot.com/2026/09/how-to-compare-payment-history-grid.html
Sources checked: 2026-09-20

General education, not personalized legal advice. No credit or dispute outcome is promised. Disputing errors directly is free.