The payment history in our loan records and the actual credit reporting sent to the credit bureaus are seperate functions for us. The payment history in the loan records record the number of times the payment falls past due for a specific date range based on due date. Our credit reporting transmits the status of the loan as of month-end. As a result, we have a loan that has been past due many times in the loan record and only reported twice to the Credit Bureaus as past due. We have just discovered this error. Since this is a benefit to the consumer, can we go back and report all the past due payments from the loan record? I have only found information for reporting payments accuarately if we discovered the deliquient payments we were reporting should've been on time payments, not the other way around. Can we legally go make and turn positive reporting negative? Where can I find supporting documentation in regulations?