When does TSC report an account to the credit bureaus and how long does it stay on the consumer’s credit?

We report new accounts to the credit bureaus once they have been in our system for 31 days. However, if a consumer pays their account in full during this initial 31 day period, their account will never be reported to the credit bureaus.If the account remains unpaid, after this initial 31 day period, then it is reported to the credit bureaus. Accounts can remain on the consumer’s credit report for up to seven (7) years from the date of delinquency.