Can you self-report Paypal credit?

[Anonymous]

Hi, I recently applied and got approved for PayPal credit without researching it.. Rookie mistake, I know, but since it doesn't report, on the bright side it can keep util rates down.. I was wondering if you can self-report PayPal credit to the CRA's and if anyone's had success doing it.

Thanks, 

Miguel

[Anonymous]

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@Anonymous wrote:

Hi, I recently applied and got approved for PayPal credit without researching it.. Rookie mistake, I know, but since it doesn't report, on the bright side it can keep util rates down.. I was wondering if you can self-report PayPal credit to the CRA's and if anyone's had success doing it.

Thanks, 

Miguel

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UTIL is based on whats in your reports. If it does not report, its not going to change your UTIL.

[Anonymous]

Right but if you pay with Paypal Credit instead of CC, your util doesn't go up =keeps it low

[Anonymous]

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@Anonymous wrote:

Right but if you pay with Paypal Credit instead of CC, your util doesn't go up =keeps it low

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Ok, I get where you're coming from there. 

[RobertEG]

No.

One must meet the qualifications for and execute a credit reporting agreement with the CRA in order to report to them.