I love PayPal Credit because it helps keep me responsible with my credit spending; I avoid interest on my purchases by paying them off within 6 months. I also love the user interface and integration with PayPal since Bill Me Later became PayPal Credit. But here's where I think PayPal Credit falls short: there's no option to report to credit bureaus, so it doesn't help customers like me build/rebuild/improve their credit scores. Based on my current situation, if PayPal Credit started reporting to credit bureaus tomorrow, my credit score would jump from 685 to at least 730 overnight because it would drop my credit usage ratio from 90% (based on my two credit cards) down to 60% (based on my two credit cards plus my PayPal Credit account). This would obviously be a huge help to me as I work on paying down my credit card and student loan debt in preparation to finance a new car and a house within the next few years. I'm sure there are other PayPal Credit customers who aren't in good standing and who appreciate that PayPal Credit does NOT report to credit bureaus because of that fact. But for those of us who are in good standing, having the option to demonstrate our credit worthiness to the credit bureaus would be one more reason to LOVE PayPal Credit. Are there any plans to offer such an option? If not, why not? Thank you for your time and the wonderful service you provide your customers.
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