US Bank actually updates within a few days of the last business day of the month. They are a little flexible so all you can do is roll with their system. US Bank does two updates which is products issued under the banking side and an update under the credit side. Both usually on the same time line but there are exceptions. Bottom line ... US Bank has their own system and it is flexible. This last month my reporting was around the 9th of the month. I have both banking reporting and credit reporting.
Banking side would include their Reserve Line of Credit and likely any loans issued by the bank. As to the credit side you are looking at Credit Cards, Personal Lines of Credit and so on.
Do not know where mortgages, auto loans, personal loans fall as to banking or credit side of things.
