First, they should have orders. While I've been out a very long time, orders are needed to do most things like this.
Second, you are already conservative. SCRA protections require a written request and a copy of the orders. That is the law. Now a common practice is to use the SCRA DMDC database. Have you looked up the borrower there, and what did that tell you? I'm not sure if it has the active duty date or not, but it certainly tells you if the person is covered.
Third, it is possible the borrower reported for duty days before starting basic, but the actual enlistment date could be way off, depending on how you define it. Delayed entry could be months prior to active duty. I'm not sure which of those would be called an enlistment date, or how that ties to a reservist, assuming this is a reservist who has enlisted but will not be full time after training. Again, the orders would help. The orders define how they are called to duty and whether or not the SCRA applies at all.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell