CU*Answers reports the first date of delinquency after a loan is 31 days late. If the member makes a payment before the credit reporting file is transmitted, the first date of delinquency is cleared and the loan is reported as current.  CU*Answers transmits the credit report files on the first of the month with data from the previous month.
  • This information can be verified by your credit union through Tool #822 Smart Operator: Daily Ops Log.