If your loans are due 2nd and you pay on the 15th, you can be sure it is already captured by the system somewhere.

What you want to know is what record you have.

Chances are, your CCRIS will consistently show a string of "1" for your car loan, meaning you are consistently late by 1 month on your car repayments.

While having a consistent string of 1's is not a big deal (it shows a delayed repayment pattern rather than a defaulting pattern), it's still not perfect. Try to pay on time before it becomes due.

Otherwise, if you got lots of time to spare, ask your bank to change your billing cycle to match your payment patterns.