Credit reporting is only applicable to shoppers enrolled in Sezzle Up. If you are not enrolled in Sezzle Up, we don’t report your payment history to credit bureaus.
If you decide to enroll in Sezzle Up, you are opting to report your payment history to the credit bureaus.
What is reported to the credit bureaus?
At the end of each month, we review the overall standing of your account, including your outstanding balance and payment status to the following bureaus:
- US: Equifax, Transunion, Experian, Innovis
- Canada: Equifax
Payment statuses:
- On-time payments - Payments not outstanding beyond 30 days will be reported as on time.
- Failed or late payments - Payments overdue by 30 days or more will be reported on the monthly report beginning in the first month that it's 30 days overdue. For example, if you have a failed payment on January 10th, it will not be reported in January. However, if it's still unresolved by the end of February, it would be reported in February and every additional month that it isn't resolved. The longer a payment is failed on your account, the worse the impact will be on your credit score.
You can view how each month has been reported to the bureaus in the Sezzle app by selecting "Account" and then "Sezzle Up" under the Benefits section. This page will display if a particular month has been reported to the credit bureaus and if it was reported with on-time payments ("Current") or with any delinquencies ("Not Current"). If there is nothing filled in for the month, then that means we haven’t reported anything for that month yet.
How do I view my credit score?
Most Sezzle Up users use the following tools to view their credit score:
- US: Sign up for Credit Karma
- Canada: Sign up for Borrowell
If you have more questions about how your credit can be impacted by lines of credit, credit cards, or loans, we recommend contacting a trusted financial advisor.