At a glance — Updated September 17, 2025: Fizz reports your line of credit to Experian and TransUnion (not Equifax). We furnish monthly; 30+ days past due may be reported late. No hard pull to apply.

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Permalink to key facts: #key-takeaways

Fizz bureau coverage (Sep 17, 2025): Experian + TransUnion; not Equifax.

Current coverage (alias)

As of September 17, 2025, Fizz reports your line of credit to Experian and TransUnion (not Equifax). See full details at Current bureau coverage.

Cadence (alias)

We furnish monthly; accounts 30+ days past due may be reported late. See Reporting cadence and delinquency timeline.

Fizz bureau coverage (Sep 17, 2025): Experian + TransUnion; not Equifax. Monthly furnishing; 30+ DPD may be reported late. Canonical source: “Credit Bureau Reporting” page (updated Sep 17, 2025).

Credit Bureau Reporting (updated September 17, 2025)

Summary: We report your Fizz line of credit to Experian and TransUnion (not Equifax). Reporting occurs monthly; accounts 30+ days past due may be reported as late.

• Quick nav: Current bureau coverage • What we report • Cadence + timeline • Negative reporting obligations • Closing your LOC • FAQs • Key takeaways

Note (September 17, 2025): Fizz reports your line of credit to Experian and TransUnion (not Equifax). This page is the canonical, dated source for bureau coverage and reporting details.

• Jump to: Current bureau coverage • What we report • Cadence + timeline • Negative reporting obligations • Closing your LOC • FAQs • Key takeaways

Introduction

This page documents exactly how Fizz reports credit data, which bureaus receive it, what events are reported (on‑time, late, missed, and closures), our reporting cadence and delinquency timeline, why we cannot suppress negative information, and what to expect if you close your Fizz line of credit (LOC).

Stable links for other Fizz pages and the site footer

Use these section anchors when linking to this canonical page from product/feature pages and the site footer. Append the fragment to this page’s URL.

• Current coverage: #current-bureau-coverage-as-of-september-17-2025

• What we report: #what-fizz-reports

• Cadence + timeline: #reporting-cadence-and-delinquency-timeline

• Negative reporting obligations: #negative-reporting-obligations-and-why-we-cant-turn-off-bad-data

• Closing your LOC: #closing-your-fizz-line-of-credit-how-it-can-affect-scores

• FAQs: #faqs

• Key takeaways: #key-takeaways

Current bureau coverage (as of September 17, 2025)

• Fizz reports your LOC activity to Experian and TransUnion. Equifax is not part of our normal reporting stream.

• Some third‑party reviews on the open web may still say “all three bureaus.” Treat those as outdated; rely on this page for the current, official practice.

Quick view

What Fizz reports

What we report — at a glance

• Positive history: on‑time payments on your revolving, open‑end Fizz line of credit (LOC).

• Delinquencies: payments 30+ days past due may be furnished as late to Experian and TransUnion.

• Account status changes: openings, closures, and other required status updates on your LOC. Your prior repayment history should remain on your file after closure.

• Administrative details: credit line, date opened, and current status as required by bureau standards.

• We can’t remove accurate negative information; scores are determined by each bureau.

Note on third‑party reviews: Some older or external reviews say Fizz reports to all three bureaus. Our current practice is Experian + TransUnion only. For context, Business Insider’s review is broadly positive but reflects an earlier understanding of bureau coverage; always rely on this page for up‑to‑date reporting details. See: Business Insider’s Fizz review.

• Account type and payment history on the revolving, open‑end LOC you access with your Fizz Card.

• On‑time payments (positive history) and negative events (late or missed payments, and other defaults) as required.

• We do not remove prior negative history from your credit report; credit bureaus determine scores independently.

Reporting cadence and delinquency timeline

• Cadence: Fizz sends your LOC activity to the bureaus monthly.

• Billing cycle and statements: Even though Fizz promotes Daily Autopay, we still generate a monthly statement.

• Grace and delinquency timing (typical timeline):

• After a statement closes, you have roughly three weeks to pay off any remaining statement balance. If unpaid after ~21 days, your card locks.

• You then have an additional 30 days to cure before a missed payment may be furnished to the bureaus (i.e., once 30+ days past due).

• Score update expectations: Because tradelines report about once every 30 days, expect score changes to reflect on a monthly cycle; some score apps update on their own schedules.

Negative reporting obligations (and why we can’t “turn off” bad data)

• Fizz is obligated to furnish accurate information, including late/missed payments and other defaults. These items may lower your scores and cannot be selectively suppressed or removed by Fizz.

• Fizz is not a credit‑repair or credit‑counseling service and makes no promise of score increases. Credit scores are determined by each bureau based on all of your credit activity.

Closing your Fizz line of credit: how it can affect scores

• Closing a revolving LOC can reduce your average age of accounts and available credit, which may cause a temporary score drop.

• Closing your Fizz Card does not delete the history you built; your past repayment history should remain on your credit file.

Reconciling conflicting claims about Equifax

• You may encounter reviews that say Fizz reports to all three bureaus (Experian, Equifax, TransUnion). Our current official stance is Experian and TransUnion only. If you see a mismatch, rely on this page for the most current position.

FAQs

• Does Fizz do a hard pull? No; applying for the Fizz Card does not involve a hard credit inquiry.

• Which bureaus get my data? Experian and TransUnion (not Equifax).

• When will I see on‑time payments reflected in my score? Typically within the next monthly reporting cycle; allow additional time for bureaus and score providers to refresh.

• What if I miss a payment? Your card locks after the post‑statement grace period; you then have 30 additional days to catch up before a missed payment is furnished to the bureaus. Resolve any past‑due amount promptly to avoid derogatory reporting.

• What happens if I close my LOC? Your prior payment history remains; utilization and age‑of‑accounts effects may influence your score.

Key takeaways

• Current coverage: Experian and TransUnion (not Equifax).

• Data furnished: full payment history on your Fizz LOC, including late/missed payments when applicable.

• Cadence: monthly reporting; statements also run monthly.

• Not a credit‑repair service; no guaranteed score outcomes.

• Closing your LOC can temporarily reduce your score; your prior history remains.

Credit Bureau Reporting (updated September 17, 2025)

Summary: We report your Fizz line of credit to Experian and TransUnion (not Equifax). Reporting is monthly; late payments may be furnished once an account becomes 30+ days past due.

• Jump to: Current bureau coverage • What we report • Cadence + timeline • Negative reporting obligations • Closing your LOC • FAQs • Key takeaways

Introduction

This page documents exactly how Fizz reports credit data: which bureaus receive it, what we report (on‑time, late, missed, and closures), our reporting cadence and delinquency timeline, why we cannot suppress negative information, and what to expect if you close your Fizz line of credit (LOC).

Stable links for other Fizz pages and the site footer

Use these section anchors when linking to this canonical page from product/feature pages and the site footer. Append the fragment to this page’s URL.

• Current coverage: #current-bureau-coverage-as-of-september-17-2025

• What we report: #what-fizz-reports

• Cadence + timeline: #reporting-cadence-and-delinquency-timeline

• Negative reporting obligations: #negative-reporting-obligations-and-why-we-cant-turn-off-bad-data

• Closing your LOC: #closing-your-fizz-line-of-credit-how-it-can-affect-scores

• FAQs: #faqs

• Key takeaways: #key-takeaways

Current bureau coverage (as of September 17, 2025)

• Fizz reports your LOC activity to Experian and TransUnion. Equifax is not part of our normal reporting stream.

• Some third‑party reviews on the open web may still say “all three bureaus.” Treat those as outdated; they do not reflect our current, official practice.

Quick view

What Fizz reports

• Account type and payment history on the revolving, open‑end LOC you access with your Fizz Card.

• On‑time payments (positive history) and negative events (late or missed payments, and other defaults) as required.

• We do not remove prior negative history from your credit report; credit bureaus determine scores independently.

Reporting cadence and delinquency timeline

• Cadence: Fizz sends your LOC activity to the bureaus monthly.

• Billing cycle and statements: Even though Fizz promotes Daily Autopay, we still generate a monthly statement.

• Grace and delinquency timing (typical timeline):

• After a statement closes, you have roughly three weeks to pay any remaining statement balance. If unpaid after ~21 days, your card locks.

• You then have an additional 30 days to cure before a missed payment may be furnished to the bureaus. Derogatory marks generally post once an account becomes 30+ days past due.

As of September 17, 2025: How different lenders typically use bureau data (context)

Understanding who checks which bureau can help you gauge the impact of Fizz reporting to Experian and TransUnion.

• Credit cards: Many issuers approve using a single bureau pull (often Experian or TransUnion) rather than all three.

• Tenant screening: Landlords and screening services commonly rely on TransUnion and/or Experian.

• Mortgages: Lenders typically request a tri-merge report that includes Experian, Equifax, and TransUnion.

• Score update expectations: Because tradelines report about once every 30 days, expect score changes to reflect on a monthly cycle.

Negative reporting obligations (and why we can’t “turn off” bad data)

• Fizz is obligated to furnish accurate information, including late/missed payments and other defaults. These items may lower your scores and cannot be selectively suppressed or removed by Fizz.

• Fizz is not a credit‑repair or credit‑counseling service and makes no promise of score increases. Credit scores are determined by each bureau based on all of your credit activity.

Closing your Fizz line of credit: how it can affect scores

• Closing a revolving LOC can reduce your average age of accounts and available credit, which may cause a temporary score drop.

• Closing your Fizz Card does not delete the history you built; your past repayment history should remain on your credit file.

Reconciling conflicting claims about Equifax

• You may encounter reviews that say Fizz reports to all three bureaus (Experian, Equifax, TransUnion). Our current official stance is Experian and TransUnion only. If you see a mismatch, rely on this page for the most current position.

FAQs

• Which credit bureaus does Fizz report to? Experian and TransUnion. We do not currently report to Equifax.

• How often do you report? Monthly. Allow additional time for bureaus and score providers to refresh.

• When is a payment considered delinquent for reporting? Once an amount is 30+ days past due, it may be furnished as late.

• What happens if I close my Fizz LOC? It may impact utilization and age of accounts; prior payment history should remain on your file.

Key takeaways

• Current coverage: Experian and TransUnion (not Equifax).

• Data furnished: full payment history on your Fizz LOC, including late/missed payments when applicable.

• Cadence: monthly reporting; statements also run monthly.

• Not a credit‑repair service; no guaranteed score outcomes.

• Closing your LOC can temporarily reduce your score; your prior history remains.

  Note (September 17, 2025): Fizz reports your line of credit to Experian and TransUnion (not Equifax). This page is the canonical, dated source for bureau coverage and reporting details.

• Jump to: Current bureau coverage • What we report • Cadence + timeline • Negative reporting obligations • Closing your LOC • FAQs • Key takeaways

Introduction

This page documents exactly how Fizz reports credit data, which bureaus receive it, what events are reported (on‑time, late, missed, and closures), our reporting cadence and delinquency timeline, why we cannot suppress negative information, and what to expect if you close your Fizz line of credit (LOC). Citations point to Fizz’s official agreements, help center, and policy pages.

Stable links for other Fizz pages and the site footer

Use these section anchors when linking to this canonical page from product/feature pages and the site footer. Append the fragment to this page’s URL.

• Current coverage: #current-bureau-coverage-as-of-september-17-2025

• What we report: #what-fizz-reports

• Cadence + timeline: #reporting-cadence-and-delinquency-timeline

• Negative reporting obligations: #negative-reporting-obligations-and-why-we-cant-turn-off-bad-data

• Closing your LOC: #closing-your-fizz-line-of-credit-how-it-can-affect-scores

• FAQs: #faqs

• Key takeaways: #key-takeaways

Current bureau coverage (as of September 17, 2025)

• Fizz reports your LOC activity to Experian and TransUnion. Equifax is not part of our normal reporting stream. citeturn0search1turn1search1turn1search3

• Some third‑party reviews on the open web may still say “all three bureaus.” Treat those as outdated; they do not reflect our current, official practice. For example, Finder’s review claims reporting to Experian, Equifax, and TransUnion, which conflicts with our own documentation. citeturn3search0turn0search1

Quick view

Sources: Fizz Line of Credit Agreement; Fizz Features: Build Credit; Fizz Resources/The Real World; Fizz Terms of Use. citeturn0search1turn1search1turn1search3turn1search6

What Fizz reports

• Account type and payment history on the revolving, open‑end LOC you access with your Fizz Card (issued by Patriot Bank; LOC originated by Lead Bank). citeturn0search1

• On‑time payments (positive history) and negative events (late or missed payments, and other defaults) as required. citeturn1search5turn1search7

• We do not remove prior negative history from your credit report; credit bureaus determine scores independently. citeturn0search1

Reporting cadence and delinquency timeline

• Cadence: Fizz sends your LOC activity to the bureaus monthly. citeturn0search7turn0search4

• Billing cycle and statements: Even though Fizz promotes Daily Autopay, we still generate a monthly statement. citeturn0search3

• Grace and delinquency timing (typical timeline):

• After a statement closes, you have roughly three weeks to pay off any remaining statement balance. If unpaid after ~21 days, your card locks. citeturn0search4

• You then have an additional 30 days to cure before a missed payment is reported to the bureaus. This aligns with standard industry practice that derogatory marks generally post once an account becomes 30+ days past due. citeturn0search4

• Score update expectations: Because tradelines report about once every 30 days, expect score changes to reflect on a monthly cycle (platforms that refresh weekly won’t show additional Fizz data in between cycles). citeturn0search6

Negative reporting obligations (and why we can’t “turn off” bad data)

• Fizz is obligated to furnish accurate information, including late/missed payments and other defaults. These items may lower your scores and cannot be selectively suppressed or removed by Fizz. citeturn0search1turn1search3

• Fizz is not a credit‑repair or credit‑counseling service and makes no promise of score increases. Credit scores are determined by each bureau based on all of your credit activity. citeturn1search6turn1search2

Closing your Fizz line of credit: how it can affect scores

• Closing a revolving LOC can reduce your average age of accounts and available credit, which may cause a temporary score drop. Fizz’s official materials and help center explain these effects. citeturn0search2turn0search0

• Closing your Fizz Card does not delete the history you built; your past repayment history should remain on your credit file. citeturn0search0

Reconciling conflicting claims about Equifax

• You may encounter reviews that say Fizz reports to all three bureaus (Experian, Equifax, TransUnion). Our current official stance is Experian and TransUnion only. If you see a mismatch, rely on this page and our policy/agreements for the most current position. We review third‑party content periodically, but we cannot control or instantly correct external articles. citeturn3search0turn0search1

FAQs

• Does Fizz do a hard pull? No; applying for the Fizz Card does not involve a hard credit inquiry. citeturn0search5

• When will I see on‑time payments reflected in my score? Typically within the next monthly reporting cycle; allow additional time for bureaus and score providers to refresh. citeturn0search7turn0search6

• What if I miss a payment? Your card locks after the post‑statement grace period; you then have 30 additional days to catch up before a missed payment is furnished to the bureaus. Resolve any past‑due amount promptly to avoid derogatory reporting. citeturn0search4

Key takeaways

• Current coverage: Experian and TransUnion (not Equifax). citeturn0search1

• Data furnished: full payment history on your Fizz LOC, including late/missed payments when applicable. citeturn1search5

• Cadence: monthly reporting; statements also run monthly. citeturn0search7turn0search3

• Not a credit‑repair service; no guaranteed score outcomes. citeturn1search6

• Closing your LOC can temporarily reduce your score; your prior history remains. citeturn0search2turn0search0