After electing to enroll in Perpay+ and completing four months of on-time payments exceeding $200, we report information about your Marketplace account to the three major credit bureaus - Experian®, Equifax®, and TransUnion®. Perpay reports information about your account on a monthly basis.

We will report up to 24 months of your payment history. If you have been making payments to Perpay for over two years, your credit report will display the 24 most recent months of payment history information.