Does Paypal Credit Report To Credit Bureaus?

Last Updated: Nov 15, 2022

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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.

How To Check Your Paypal Credit Account?

  • You can find your SYNCB/PPC account on your credit report. Your approach to managing it depends on how and where it appears. Check these two sections first.
  • Inquiries: Synchrony Bank does a hard pull of credit reports for every new member of Paypal, this will appear as an additional line in the inquiry section of your credit report.  
  • Your credit history will determine whether the creditor will approve you for credit, or not. A hard inquiry can stay on your credit report for up to two years.
  • Account History: Your SYNCB/PPC account can be found in the account history section of your credit account, labeled as either “active” or “closed”.

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Bottom Line

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.

Looking for help with Does Paypal Credit Report To Credit Bureaus?

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