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For me its when my monthly statement cuts, be that Visa or Car loans - couple of days later my CRA's reports get updated
Well I just added a second car loan on the 9th and it'll report at the end of the month when my statement cuts, right now it shows on m y account(s) listing, but that's it - same thing for an increase/decrease on my Visa.
I got a DCU New Car Loan on 7/27/15 (actually apped a week or two earlier, but that's the day I bought the car and the loan went into effect). It first reported to EX on 8/7/15, to EQ on 8/8/15 and to TU on 8/9/15.