Does anyone know what is considered prompt payment reporting to the 3 CRs? After reviewing my cr, I noticed that a company collecting for another is 4 months behind reporting the payments. I'm ready to call the FTc because all I get from the company (OMS) is that the peron who does the reporting is out and they can't get in touch with her. Does it differe from state to state? I got this debt in KY but now live in OK. By the way, I did filed disputes with all CRs and sent them my statements as proof.