Interesting data point for Paypal credit (billmelater)

[Anonymous]

I completely forgot I even had a PayPal Credit about a year ago I signed up for a MacBook purchase. I never even paid the bill and just noticed today that I couldn't even sign in to the account. I'm presuming it was charged-off...but the tradeline never appeared on my credit report in the first place, let alone now. Think I'm in the clear with this? 

[Anonymous]

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@Anonymous wrote:

I completely forgot I even had a PayPal Credit about a year ago I signed up for a MacBook purchase. I never even paid the bill and just noticed today that I couldn't even sign in to the account. I'm presuming it was charged-off...but the tradeline never appeared on my credit report in the first place, let alone now. Think I'm in the clear with this? 

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PayPal credit doesnt show on credit reports when you first get it or if you use it and pay as you're supposed to because it is a hidden credit line.  My guess is that it will eventually show up on your reports as delinquent or it will be turned over to a bill collector and then they'll report it.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I completely forgot I even had a PayPal Credit about a year ago I signed up for a MacBook purchase. I never even paid the bill and just noticed today that I couldn't even sign in to the account. I'm presuming it was charged-off...but the tradeline never appeared on my credit report in the first place, let alone now. Think I'm in the clear with this? 

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PayPal credit doesnt show on credit reports when you first get it or if you use it and pay as you're supposed to because it is a hidden credit line.  My guess is that it will eventually show up on your reports as delinquent or it will be turned over to a bill collector and then they'll report it.

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If you apply for Credit. Do they HP or SP?

[CreditCuriosity]

Just curious how you forgot how you financed and/or paid for your your apple computer?  You never made a single payment to them?   It will definetly be a Charge-off and most likekly you will be getting calls from a Collection Agency in due time and have two dings on your CR one being from the Charge-Off and one from the Collection Agency.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I completely forgot I even had a PayPal Credit about a year ago I signed up for a MacBook purchase. I never even paid the bill and just noticed today that I couldn't even sign in to the account. I'm presuming it was charged-off...but the tradeline never appeared on my credit report in the first place, let alone now. Think I'm in the clear with this? 

---

PayPal credit doesnt show on credit reports when you first get it or if you use it and pay as you're supposed to because it is a hidden credit line.  My guess is that it will eventually show up on your reports as delinquent or it will be turned over to a bill collector and then they'll report it.

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If you apply for Credit. Do they HP or SP?

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It's been both i nthe past.  Mine was an SP but most people reports HPs as far as I know

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I completely forgot I even had a PayPal Credit about a year ago I signed up for a MacBook purchase. I never even paid the bill and just noticed today that I couldn't even sign in to the account. I'm presuming it was charged-off...but the tradeline never appeared on my credit report in the first place, let alone now. Think I'm in the clear with this? 

---

PayPal credit doesnt show on credit reports when you first get it or if you use it and pay as you're supposed to because it is a hidden credit line.  My guess is that it will eventually show up on your reports as delinquent or it will be turned over to a bill collector and then they'll report it.

---

If you apply for Credit. Do they HP or SP?

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It's been both i nthe past.  Mine was an SP but most people reports HPs as far as I know

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been a member of PayPal for so long.. They only ask for DOB and last 4 of SSN.

But meh.. Can't afford a HP right now.

[CreditCuriosity]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I completely forgot I even had a PayPal Credit about a year ago I signed up for a MacBook purchase. I never even paid the bill and just noticed today that I couldn't even sign in to the account. I'm presuming it was charged-off...but the tradeline never appeared on my credit report in the first place, let alone now. Think I'm in the clear with this? 

---

PayPal credit doesnt show on credit reports when you first get it or if you use it and pay as you're supposed to because it is a hidden credit line.  My guess is that it will eventually show up on your reports as delinquent or it will be turned over to a bill collector and then they'll report it.

---

If you apply for Credit. Do they HP or SP?

---

It's been both i nthe past.  Mine was an SP but most people reports HPs as far as I know

---

been a member of PayPal for so long.. They only ask for DOB and last 4 of SSN.

But meh.. Can't afford a HP right now.

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HP against EQ.. That is all they asked two years back when I got it and got HP on EQ.  Started out at 1k I believe and over 5k now all by SP account reviews

[Anonymous]

Interestingly enough I let the computer sit in the box for about 8 months before using it, in my storage unit while inbetween moving. So I COMPELTELY forgot to pay the bill as my paypal account got limited shortly after for a dispute that didn't work out in my favor and left it negative 2300 bucks. Really stupid, if it comes back to bite me I guess I'll be fine as i dont plan on buying another home or anything for a very long time.