Ariz. Rev. Stat. » Title 44
Arizona Revised Statutes

Ariz. Rev. Stat. § 44-1697 (2026)

Fair credit reporting

✓ current as of May 2026
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A. If a consumer makes a payment on a credit or loan account to the proper address to which the payment should be directed, a person shall calculate the number of days by which an account is delinquent by determining the number of days between the scheduled due date of the payment and the date the payment was received by that person.

B. If a person uses a reporting standard that requires a calculation of the number of days an account is delinquent, the person may report the delinquency based only on the number of days of the delinquency plus not more than four days.

Notes of Decisions
Cited in 1 case (1 in the last 5 years), 2024–2024 · leading case: Pelt v. LVNV Funding LLC (D. Ariz. 2024).
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Pelt v. LVNV Funding LLC (D. Ariz. 2024). · cites it 8× “See Ariz. Rev. Stat. § 44-1697 . It does not mention or involve 9 actions against debt collectors for misrepresenting consumers’ accounts on their credit 10 reports.”
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