loqbox在每月的哪一天报告cra？

On which day of the month does LOQBOX report to CRA?
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感谢您的联系，很高兴收到您的消息。

我们完全理解，向信用参考机构（CRAs）报告贷款数据的过程可能会有些复杂。但是别担心，我非常愿意解释这个过程是如何运作的！

当涉及到向三大主要的CRAs（Experian，Equifax和TransUnion）报告您的贷款数据时，一开始总是会有些许延迟。这通常是怎么进行的：

在每个月的末尾，我们会报告上个月的所有活动数据。所以，例如，如果在一月份收取了一笔付款，那么它将在二月底被报告。

一旦我们向Experian，Equifax和TransUnion提交了一份全面的报告，他们通常需要大约20天的时间来验证报告。之后，他们需要额外的20天来将数据添加到我们会员的相关信用记录中。

由于这种延迟，首次付款的报告通常需要一些时间。然而，一旦我们成功报告了那笔初始付款，它就会在您的信用报告上建立贷款记录。从那时起，它将在下次刷新您的信用报告时变得可见。

现在，重要的是要注意，当您查看您的信用报告时，您通常看到的并不是它的实时副本。相反，您看到的是通常每月收集一次的快照。您可以在您的信用报告上找到"报告日期"，它告诉您报告是何时创建的。

我希望这个回答解答了您的问题，并提供了您所寻求的清晰度。但是，如果您有任何进一步的疑问或需要额外的信息，请随时告诉我。我会尽我所能帮助您。

温馨祝福， Loqbox支持团队


Thanks for reaching out — it's great to hear from you.


We completely understand that the process of data reporting to the credit reference agencies (CRAs) can be a bit perplexing. But don’t worry, I'd be more than happy to explain how it all works!


When it comes to reporting your loan data to the three main CRAs (Experian, Equifax, and TransUnion), there is always a slight delay at the beginning. Here's how it typically goes:


At the end of each month, we report all data for the previous month's activity. So if, for example, a payment is taken in January, it would be reported at the end of February.


Once we've submitted the data in a comprehensive report to Experian, Equifax, and TransUnion, it usually takes them about 20 days to validate the report. After that, they need an additional 20 days to add the data to the relevant credit records of our members.


Due to this delay, it often takes some time for the first payment to be reported. However, once we've successfully reported that initial payment, it establishes the loan record on your credit report. From there, it'll become visible the next time your credit report refreshes.


Now, it's important to note that when you check your credit report, you're not typically viewing a live copy of it. Instead, what you're seeing is a snapshot that is usually collected once a month. You can find the "report date" on your credit report, which tells you when the report was created.


I hope this answers your question and provides the clarity you were seeking. But if you have any further inquiries or need additional information, please don't hesitate to let me know. I'm here to help you in any way I can.

Warm wishes,

Loqbox Support Team



没有LOQBOX Grow的情况下开设LOQBOX Save账户能帮助我建立信用分数吗？它如何帮助我建立信用分数？它向信用报告机构报告的频率是多少？

Can opening a LOQBOX Save account without LOQBOX Grow help me build my credit score? How does it help me build my credit score? How often does it report to the CRA?


希望您一切安好？
请不要担心，您仍然可以只使用Loqbox Save来建立您的信用分数，这将触发您的储蓄支付每月向我们报告，而无需购买付费会员资格或使用Loqbox Grow。
希望这可以帮助您，如果您对此有进一步的疑问，请随时告诉我们。
祝好，Loqbox支持团队

I hope you are well?
Please do not worry as you can still build your credit score using just Loqbox Save, which would trigger monthly reporting of your savings payments to us, without the need to pay for a paid-for Membership or make use of Loqbox Grow.
I hope this helps, however if you hav any further questions on this then please do let us know,
Warm wishes, Loqbox Support Team