When Does Sezzle Report to Credit Bureaus?

Enroll in Sezzle Up before you buy anything, because only members of the program generate the credit‑building data that TransUnion later receives.

1. Open the Sezzle app or log in at Sezzle Up enrollment page.
2. Tap 'Join Sezzle Up' and confirm you are a U.S. resident aged 18 or older.
3. Allow the brief soft credit check; Sezzle Up uses this to set your payment limit.
4. Review and accept the program terms, which state that positive payments will be reported to TransUnion after six on‑time installments.
5. Activate the program; you'll now see the Sezzle Up badge on your dashboard, signaling that future purchases count toward your credit history.

Once enrolled, the next step is to nail your six on‑time payments so the first report appears about 30 days later.

Sezzle reports to TransUnion the moment you complete six on‑time payments through Sezzle Up. After that, your credit file updates every month.

• Enroll in Sezzle Up, make your first purchase, and set up automatic payments.
• Pay each installment on or before the due date; any miss resets the count.
• Reach six consecutive on‑time payments; this triggers the first report.
• Wait about 30 days for the initial positive payment entry to appear on TransUnion.
• Continue punctual payments to keep monthly updates flowing; a late payment pauses reporting until you rebuild a six‑payment streak.

Sezzle submits your first TransUnion file about 30 days after you finish the sixth consecutive, on‑time installment in the Sezzle Up program, so the credit bureau sees a single positive payment entry at that point. This delay lets the system batch the data; once the initial report lands, you'll see new entries each month as you keep paying on schedule, which the next section will detail.

After you finish the 6 on‑time payments, TransUnion receives the first entry about 30 days later. From that moment, Sezzle submits a new data file to TransUnion every month.

Each monthly file records the most recent on‑time installment, so a steady stream of positive payments builds on your credit file as long as you stay current. If a payment lapses, Sezzle pauses the updates until the payment history is re‑established. Sezzle's reporting policy details

Sezzle reports only your on‑time installment payments to TransUnion, never sending missed or late installments. After you finish six consecutive on‑time payments, Sezzle Up triggers a single positive entry 30 days later, then updates that entry each month as long as payments stay current.

For example, Maria completes six on‑time payments for a $120 purchase. On day 31, TransUnion receives a 'positive payments only' record, and her credit score nudges upward. Six months later, she makes her seventh payment on time; Sezzle sends a monthly update that reinforces the same positive status. Conversely, when Jake misses his third installment, Sezzle does not send any data to TransUnion, so his credit file remains unchanged. This behavior aligns with the 'late payments never report' rule discussed next. Sezzle credit reporting policy

Late payments don't appear on your credit file unless Sezzle sends the account to collections or writes it off, at which point a negative TransUnion entry may be created. Regular missed installments stay off your report, so a single late charge won't hurt your score.

This behavior aligns with the earlier discussion of Sezzle Up: while positive payments only may be reported after the 6 on‑time payments milestone, any delinquency that escalates to collections triggers the only reporting event. The next section explains how opting out stops even these rare negative updates.

Opting out of Sezzle's reporting feature immediately halts any further updates to TransUnion.

• Submit the opt‑out request through the Sezzle app settings or email support.
• Sezzle will stop sending payment data for all current and future orders.
• Credit entries already posted remain on your TransUnion record; they are not deleted.
• You can reactivate reporting later by revoking the opt‑out in the same account area.

Since Sezzle only reports positive payments after the sixth on‑time installment, opting out simply removes the chance for additional credit boosts while leaving your existing history intact.

Returning a Sezzle purchase does not erase the positive payment already sent to TransUnion; the record stays on your credit file.

The installment you paid remains a 'on‑time' entry, while Sezzle flags the item as returned and adjusts the balance. No new negative data appears, and the original positive payment continues to count toward your credit history.

Because the history is intact, the returned order still contributes to the 6 on‑time payments needed for future monthly updates, and it avoids the reporting pitfalls discussed later. Sezzle return policy details

Each Sezzle purchase becomes its own tradeline on TransUnion, so when you have several active orders they are reported separately. Once an order reaches the 6 on‑time payments milestone, that order alone triggers a report; other orders follow the same schedule independent of one another.

• Every order must complete 6 on‑time payments before any data appears on TransUnion.
• The first report for that order shows up about 30 days after the sixth payment.
• After the initial entry, TransUnion receives a monthly update for that specific order only.
• Only positive payments are transmitted; missed or late payments never appear.
• Opting out of Sezzle Up stops future reports for all current and new orders.
• Returns do not erase the existing tradeline; the order remains on your credit file with its payment history.

Five common timing myths about Elan Financial reporting are busted right here.

• Myth: Elan reports to the credit bureaus the moment you make a payment.
  Truth: Elan Financial typically sends a batch report once each month, usually within 30 days after the statement closing date, regardless of when you pay.
• Myth: Paying before the statement closing date moves your report date earlier.
  Truth: Payments made before the closing date affect the balance that gets reported, but the reporting cycle stay tied to the monthly closing schedule.
• Myth: Your first Elan card appears on your credit report instantly.
  Truth: New accounts generally show up after the first monthly reporting cycle, so expect a 2 - 4‑week lag before Equifax, Experian, or TransUnion see the account.
• Myth: Late Elan payments only show up after 60 days of delinquency.
  Truth: Once a payment is 30 days past due, Elan Financial usually reports the late status in the next monthly batch.
• Myth: You can shift Elan's reporting date by changing your payment timing.
  Truth: The reporting date is anchored to the statement closing date; adjusting payment timing does not alter the calendar Elan uses for its monthly reports.

Pull your TransUnion credit file and scan it for a 'Sezzle' entry; that's the only way to know if the lender has reported anything.

1. Visit the official TransUnion credit‑report portal and sign in or create a free account.
2. Choose the 'View Full Report' option; the PDF lists every tradeline alphabetically.
3. Use the browser's search (Ctrl F) for 'Sezzle'. If the name appears, note the account status - Sezzle only reports when an account is delinquent or charged‑off.
4. No entry means Sezzle hasn't sent any data, which is typical because positive, on‑time payments never trigger a report.

If a delinquent Sezzle tradeline shows up, it will affect your score until the balance is settled and the record ages out. Otherwise, your TransUnion file will stay clear of Sezzle activity.