Onbo takes care of credit reporting on your behalf. We report on a monthly basis, as of the last day of the month. The process of repayments being submitted and processed by the bureaus can take up to two weeks. For a given reporting month, the update may not reflect on the borrower's report until the middle of the following month, but the data reported will always be as of the prior month's final calendar day. Onbo reports to TransUnion, Equifax and Experian.