Both formats give you the usual creditor and credit information, but
Experian also gives you a "KOB" code
that identifies the type of creditor, i.e.: BI = Bank Installment, DC = Department store charge account.
Experian also give you "MAXIMUM". This field shows the last date
of the worst delinquency before any
delinquencies shown on the payment grid. (over two years on format #1 and over one year on format #2.
Format #2 offers several unique features not offered by any other bureau.
Experian has created a "DEL1" and "DEL2". These are the last two
dates of delinquency.
Format #2 also has the 30/60/90 day delinquency counters.
The payments are listed in a column in the middle of the page, for easier reference.