There is no time restriction on a creditor reporting information, good or bad, providing it is accurate. That even applies after a credit report exclusion period has expired.
Some creditors dont have a reporting agreement with the CRAs, and report nothing. Since you state that the CU did report a loan, then they apparently do have a reporting agreement.
Others choose only to report when an adverse item occurs. It is their choice. The only requirement is that, once they do report, they therafter assume responsibility for maintaining the accuracy of the reported information. Thus, one reason why a creditor may choose not to begin reporting.
Contact the creditor and ask. Nothing prohibits them from doing so.
