Your Perpay account activity is reported monthly to the three major credit bureaus, Experian®, Equifax®, and TransUnion®.

Please keep in mind that you may not see your most recent payment or other account activity reflected on your credit report because it can take the major credit bureaus up to 60 days to update your credit report.

See below for information on when Perpay typically furnishes information about the Perpay Marketplace and the Perpay Credit Card, as issued by Celtic Bank, to the major credit bureaus.

The “Data Cutoff Date” is the last date that payments or transactions can be completed and still be included in the information Perpay reports about your account to the major credit bureaus for that specific month. Any payments or transactions completed after the “Data Cutoff Date” for that reporting cycle will be included in the following month’s report.