
Sezzle reports to credit bureaus, but it's not a straightforward process.
Sezzle only reports to credit bureaus if you miss a payment or have a payment plan in place, and it's not a regular reporting practice.
This means that timely payments will not be reported to credit bureaus, which can be a relief for those who are concerned about their credit score.
However, if you have a payment plan or miss a payment, Sezzle will report this to the credit bureaus, which can negatively impact your credit score.
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Sezzle and Credit Score Impact
Sezzle does not directly report to major credit bureaus. However, consistently late payments could negatively impact your Sezzle account, potentially affecting your ability to use the service in the future.
On-time payments are reported as on-time, but failed or late payments are reported when they are 30 days or more overdue. The longer a payment is failed on your account, the worse the impact will be on your credit score.
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Sezzle reports to the following credit bureaus: Equifax, Transunion, Experian, and Innovis in the US, and Equifax in Canada.
Here's a breakdown of how Sezzle reports payment status to credit bureaus:
If you fail to make a payment, Sezzle will reschedule it for 48 hours later and add a late fee to the payment. This could negatively impact your credit score if not resolved promptly.
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.
Sezzle Credit Reporting and Checks
Sezzle currently doesn't report to credit bureaus, but there are some exceptions.
If you want to use Sezzle to build your credit history, you can sign up for Sezzle Up's revolving line of credit.
Through Sezzle Up, Sezzle reports your payments and balance to the three national credit bureaus monthly.
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.

Sezzle will report on-time payments as on time, but failed or late payments will be reported on the monthly report beginning in the first month that it's 30 days overdue.
Here's a breakdown of how Sezzle reports to credit bureaus:
- US: Equifax, Transunion, Experian, Innovis
- Canada: Equifax
- On-time payments: reported as on time
- Failed or late payments: reported on the monthly report beginning in the first month that it's 30 days overdue
Sources
- https://www.translation-english.com.tw/update/ulta-sezzle
- https://shopper-help.sezzle.com/hc/en-us/articles/360046679912-How-does-Sezzle-Up-impact-my-credit
- https://shopper-help.sezzle.com/hc/en-us/articles/20403600605588-How-do-I-dispute-information-on-my-credit-report
- https://www.lehmans.com/about_sezzle
- https://www.thebalancemoney.com/what-you-need-to-know-about-sezzle-5181839
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