Does Paypal Credit Report To Credit Bureaus

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PayPal credit does report to at least one of the three Bureaus (usually Experian). PayPal credit used to be considered a "hidden tradeline" as it did not report any activity. That's no longer the case as of late 2019.

You should always consider improving your credit score first before applying. If you're denied, you will get hit by a hard inquiry that will lower your score for 12 months. Working with a professional to improve your scores is always worth it in the long-run.

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