Upstart has an obligation to report the true and accurate status of your account every 30 days on your due date.

This means that account information is collected on the due date each month, then provided to Transunion, Equifax, and Experian within 10 calendar days from the due date. If an account is current as of its next due date, it will be reported as current to the credit bureaus.

If you are more than 30 days late on any payment, any delinquencies or defaults will be reported as the current status of your loan.