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When you endorse private credit your paycheck amount goes on to the national debt. You become a state member bank by signature. So that money is accounted for into SDR's. That is all.

Start today and technically your tomorrow's paycheck is redeemed lawful money. But tax years go January 1 to January 1 so you would have five months endorsed private credit and seven months of withholdings due. So in January you would have amounts on your income 1040 that would not add up to what is reported by your employer. This would confuse the computer, and in turn an IRS agent who will not calculate out a partial year for you. He would simply disagree.

So start today. But to stay in honor you will not be getting your withholdings refunded until the end of 2022.