Here are a few ways that PayPal Credit can affect your credit score.įirst, opening a PayPal Credit account requires a full credit check, or a hard pull of your credit. But, if you are not careful, PayPal Credit can cause your credit score to drop. How Does PayPal Credit Affect Credit Score?Īs mentioned above, most users need to have a good credit score to qualify for PayPal Credit in the first place. But for others, one small misstep can be seriously detrimental to their credit score. Some users may also not realize that a PayPal Credit account can have a big impact on their credit score.
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