I recently created my paypal credit last month and I learned that it won’t report not affect my credit score but just recently 2 weeks ago when I checked my credit report (Capital One) Paypal Credit is on my credit report and since I used my paypal credit to purchase an item I lost some Credit score from 666 to 648. I need some help to better understand this because I was in the impression of that Paypal credit doesn’t affect your credit score nor report.
