Paypal credit used to be considered a "hidden tradeline" because it kept all activity “hidden” from view to avoid affecting their clients FICO scores. This changed after 2019. Prior to 2019, Paypal Holdings owned Paypal Credit. Under the new ownership of Synchrony Bank, Paypal Credit DOES report account activity to credit bureaus.
There are three main credit bureaus: Experian, Equifax and TransUnion. PayPal Credit does report to at least one of them, reportedly this is usually Experian.
Paypal Credit does report to Credit Bureaus. It is in your best interest to limit new credit requests, as these applications elicit hard inquiries from creditors, which will negatively impact your credit score for 12 months.
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