The SCRA Scorecard

Run by Mario Bailey

Every issuer says it processes SCRA requests in "about two billing cycles." Nobody checks. This form is how we check. Tell us how your request actually went, and we will publish the per-issuer numbers (median days to apply, denial reports, retroactivity) once enough servicemembers have reported to say something honest.

Privacy: no account numbers, no SSN, no orders. Every question about you is optional. We publish aggregates only, never individual reports.

Which lender or servicer? If somewhere else, who? When did you submit the request? Where does it stand? If applied: how many days from request to the rate actually changing? Was it made retroactive to your active-duty start date? Did you receive a refund or credit of the excess interest? Anything the next servicemember should know? (optional) Email (optional, only if you're open to one follow-up question)

If your request went wrong

Denied, or still no answer after two billing cycles? The escalation ladder runs in order from the written request to the lender's SCRA desk, a CFPB complaint, the Department of Justice and, last, a suit under 50 U.S.C. 4042. If the cap was applied but the credit looks short, estimate what the lender owes you back to the date your protection began. And to see what your issuer itself publishes about its SCRA terms, check the rate tracker.

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