From the page titled "TransUnion Credit Report Fields":
PAYPAT: The subject’s payment pattern, which is his/her actual rating, or Manner of Payment, over a period of time. Depending on which option a customer chooses, either 24 months or 12 months of information will be shown. The default setting is 24 months. The first position on the left of the first row corresponds to the account status of the previously reported month. This will not correspond to the MOP field, which represents the most recently reported account status, usually the current month. Each subsequent field to the right corresponds to one month further back in time. In the first example, the first half of the PAYPAT field is 445543211111. The first position indicates the information reported one month ago (MOP=4):One month ago—MOP = 4
Two months ago—MOP = 4
Three months ago—MOP = 5
Four months ago—MOP = 5 Etc.
http://www.creditengine.net/mrg02.htm (clever html coding)
According to HSH Associates, a publisher of mortgage and consumer loan information, those with "A+" credit quality (no delinquency) get better rates than those with, for instance, "C-" credit quality. One of their definitions of C- is "Installment/Revolving" accounts 4-6 times late in the last 12 months (http://www.hsh.com/bcd-specs.html). So, the lender knows how many times the consumer was late in the past year because the lender's report gives that information. Trans Union's disclosures to consumers do not provide it.The Fair Credit Reporting Act:
"Every consumer reporting agency shall, upon request, and subject to section 1681h(a)(1) of this title, clearly and accurately disclose to the consumer:
All information in the consumer's file at the time of the request... "