Credit Control is an integral function of every credit union. delinquency calculation provides analysis of loans and the level of arrears. This program makes use of the most recent delinquency calculation, and from this area, you can browse diary messages that are solely pertinent to arrears by means of the user definable key word. You can also print you arrears letters or send emails or see details of previously sent letters. Working within this area can be streamlined than recalling each individual member within member enquiry.