44-1697. Fair credit reporting


A. If a consumer makes a payment on a credit or loan account to the proper address
to which the payment should be directed, a person shall calculate the number of days by
which an account is delinquent by determining the number of days between the scheduled
due date of the payment and the date the payment was received by that person.


B. If a person uses a reporting standard that requires a calculation of the number
of days an account is delinquent, the person may report the delinquency based only on the
number of days of the delinquency plus not more than four days.