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Paypal Credit CLI

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Frequent Contributor

Paypal Credit CLI

I've been a member of Paypal since 2003 although I cant remember when I applied for Paypal Credit, I think it was 2008ish, decided to login to my account via PC and noticed that Paypal Credit gives your Fico 8 TU score and also you can request a credit limit increase now. SL was 2,800 and asked for $10K. Declined for $10K but did recieve an additional $700.


Has anyone confirmed if the tradeline will report or stay hidden?


Fico 8 TU 728

Paypal Credit.jpg

Message 1 of 6

Re: Paypal Credit CLI

Grats on the CLI Smiley Happy
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 6
Valued Contributor

Re: Paypal Credit CLI

This was just posted...  CSR indicates reporting is set to begin in the next month or two...



Congrats on your CLI!

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 10/01/2019: EX 747 ✦ EQ 728 ✦ TU 756
Current FICO 9s | 10/01/2019: EX 765 ✦ EQ 765 ✦ TU 758
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 760s

My AAOA: 2.8 years not incl. AU / 2.11 years incl. AU
My AoOA: 6.8 years not incl. AU / 8.8 years incl. AU
Report Status: Clean

Tending my Garden til 2/2020

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 6
Senior Contributor

Re: Paypal Credit CLI

Congrats, I had since BillMeLater whatever year that was.


I heard from a Top Tier Rep (I called) She Said: "That Older Accounts would Report sometime Around September."

She was Very Firm on This.


New Accounts are already reporting. as posted by several people, in another myFICO Thread.


what is I am still waiting to see is the actual account opening date. lots of debate on this.

The Top Tier Rep Could not Give Me a Solid Answer, as Some things were not disclosed from the higher up.


so its a wait an see on The Actual opening Date. I will believe it, when I see it Report to the 3 big CRA's,

 as to what the facts will be.


it would be nice to have "that age" Factored in to my Age of All Accounts.

Message 4 of 6
Frequent Contributor

Re: Paypal Credit CLI

Thanks for the replies guys. I hope it reports the original opened date as well as that would help my AAOA. My oldest card is a 6 yr old Capital One.

Message 5 of 6
Senior Contributor

Re: Paypal Credit CLI

@Df82 wrote:
Thanks for the replies guys. I hope it reports the original opened date as well as that would help my AAOA. My oldest card is a 6 yr old Capital One.

I can Guarantee that, if it does not report the History of Payments, and opening Date.

There are going to be some complaints filed, and probably some accounts closed, for that very reason.


I think some closed ahead of time. I took The "wait & See Approach"


it is possible that the Older Accounts not Reporting till September Thing (per The Old Pay Pal CSR)

That is not completely set in stone.


but it could be possible, they have to Gather all The Old Account Information to Report?

That is only a Hopeful Guess on my end, at this point.


as you pointed out, The AAOA would be nice. not so worried about it being a "Hidden" TL at this point.


anyhow, since this is The Approvals Thread, I probably should Limit my rambling.

as I have probably overspent My Nickel.

Message 6 of 6
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