Does Sezzle Report to Credit Bureaus?

Sezzle can help lift your credit score, but only if you opt‑in to its reporting feature and consistently make on‑time payments, because the platform will then transmit positive payment data to the selected credit bureaus (Equifax or Experian) and those records may improve your score; however, the boost is not guaranteed, and any missed or late Sezzle payments will be reported similarly and can damage your credit, so the net effect depends entirely on your payment behavior.

For details on opting in, see Sezzle's reporting FAQ.

Late Sezzle payments don't dent your credit score because Sezzle never sends installment data to the credit bureaus. There is no opt‑in mechanism, so missing a due date stays inside the app. As we covered above, timely Sezzle use can't boost scores either.

If dozens of installments go unpaid, the merchant may hand the debt to a collection agency, and that third‑party can report to the credit bureaus, which would then affect the credit score. A user who ignored a $120 purchase for three months found a collection entry appear on their Equifax report (Sezzle's official help center on payment reporting). Thus the direct risk is nil, but the indirect route via collections remains a real possibility.

Sezzle offers an opt‑in feature called Sezzle Up that lets your on‑time payments be reported to the major credit bureaus.

1. Log into your Sezzle account and navigate to Settings.
2. Select Sezzle Up (or 'Credit Reporting') and toggle the opt‑in switch.
3. Confirm the enrollment; Sezzle will begin sending positive payment data to Equifax and Experian.
4. Keep every installment paid by the due date - late payments may be reported as negatives.
5. After a billing cycle, check your credit report to see the new Sezzle entry and verify that your score reflects the activity.

For details on the program, see Sezzle's Sezzle Up reporting program.

Equifax and Experian can see your Sezzle activity if you opt‑in to reporting.

• After you enable reporting in the app, Sezzle sends positive, on‑time payments to both Equifax and Experian; the data appears on your credit file within 30‑45 days.
• Late or missed payments are also reported to these bureaus, which may lower your credit score.
• Sezzle does not automatically report to TransUnion; only the two bureaus above receive information.
• Reporting is optional, not mandatory; you can toggle it on or off at any time in your account settings.
• If you opt‑in, the impact is limited to the payment history of each Sezzle installment plan; other loan or credit line data remain unchanged.

You can spot Sezzle on your credit report by looking for a merchant‑account entry labeled 'Sezzle, Inc.' that appears under the 'personal loans' or 'installment accounts' section.

When you opt‑in to Sezzle's reporting feature, the company may send positive payment data to Equifax and Experian (and occasionally TransUnion). The entry typically shows:

• Account name: Sezzle, Inc.
• Account type: Installment loan or 'Buy‑Now‑Pay‑Later'
• Status: Open, current, or past‑due based on your payment history
• Date opened: The month you first used Sezzle

If you don't see the entry, verify that you have opted in through the Sezzle app or dashboard, then allow 30 days for the bureaus to update. For more details on the opt‑in process, see Sezzle's credit‑reporting guide.

Sezzle itself offers no direct credit‑score boost because it does not send payment activity to Equifax, Experian or TransUnion.

Treat the service as a cash‑flow manager rather than a credit‑builder.

• Pay every installment on time; missed payments can trigger collection notices that may appear on a credit report, negating any indirect benefit.
• Keep the installment balance low relative to overall debt; a smaller monthly obligation can help maintain a healthy credit utilization ratio on other revolving accounts.
• Pair Sezzle with a credit‑card that explicitly reports to bureaus; timely Sezzle payments free up cash to pay that card in full each month, reinforcing positive payment history.
• Regularly review your credit file via a free‑annual‑credit‑report service to catch any accidental listings and dispute inaccuracies promptly.

Using Sezzle responsibly may smooth monthly budgeting, which indirectly supports better credit‑management habits - exactly the point contrasted in the upcoming 'Sezzle vs Afterpay reporting differences' section.

Sezzle does not send any regular installment activity to Equifax, Experian, or TransUnion; only a soft eligibility check touches your file, and a serious delinquency that lands in collections might later appear (no opt‑in for positive tradelines, as we covered above).

Afterpay follows the same playbook: routine payments stay off the bureaus, and only accounts that default long enough to be handed over to a collection agency potentially affect a credit report; there is no program to boost your score through on‑time payments.Afterpay's credit‑reporting policy

Sezzle rarely sends installment data to Equifax, Experian, or TransUnion, and only flags an account when it lands in collections, so the main credit‑risk comes from missed payments (as we covered above). Here are five ways to keep Sezzle from hurting your score while still enjoying the service, and for full details see Sezzle's reporting policy overview.

• Set automatic payments to match your payday, eliminating accidental lateness.
• Keep the total Sezzle balance below 30 % of your overall credit utilization across all revolving accounts.
• Activate the opt‑in reporting feature only after a clean payment streak; otherwise stay in the default non‑reporting mode.
• Monitor the account daily; if a payment fails, contact Sezzle within 24 hours to arrange a rescue payment before it escalates to collections.
• Use Sezzle's hardship pause option during financial strain instead of missing a due date.

Redditors often share that Sezzle can move a credit score in surprising ways, both up and down.

One user opted in to Sezzle's reporting, made five on‑time payments, and saw a 20‑point boost after the positive data hit Equifax and Experian, as detailed in a Reddit discussion on Sezzle credit impact.

Another poster missed a single installment, watched their score dip roughly 30 points, and noted that Sezzle appeared on the report as an installment loan, which some lenders treat as a credit‑mix factor and can trigger a risk‑score adjustment.

Sezzle can stay out of your credit file during a hardship as long as you keep the optional 'Credit Reporting' feature turned off. Without opting in, Sezzle only tracks your payments internally, so missed or delayed installments won't appear on Equifax, Experian, or TransUnion. This means you can pause or reschedule payments without fearing an immediate credit‑score hit, though you still owe the balance and may incur late‑fee penalties.

If you do opt‑in to reporting, both on‑time and late payments may be sent to the bureaus, potentially lowering your score. To stay safe, verify your reporting status in the app and, if needed, switch it off before a financial squeeze; you can re‑enable it later when you're back on track. For details on toggling this setting, see Sezzle's credit‑reporting guide.