Does Paypal Credit Report To Credit Bureaus

Updated:
April 10, 2023

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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 working on your credit 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 become more creditworthy is always worth it in the long-run.

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