Reporting scope at a glance

As of November 20, 2025, Fizz reports your payment history to Experian and TransUnion; Fizz does not report to Equifax. This statement is based on Fizz’s current disclosures, which specify reporting to Experian and TransUnion only. See: Why isn’t my credit score getting better? and Web2App disclosures.

What Fizz reports

Fizz reports payment history on the revolving, open‑end line of credit that is accessed by your Fizz Card. That includes:

• On‑time payments (positive history)

• Late/missed payments and defaults (negative history)

• Account status changes (for example, closing the line can affect credit)

For formal definitions and obligations, review your Line of Credit Agreement and Cardholder Agreement.

When reporting occurs

• Cadence: Fizz reports to the bureaus monthly. Source: Do debit cards build your credit?

• Missed payment handling: Fizz uses Daily Autopay and SafeFreeze to prevent balance build‑up; if you miss a payment, your card locks and you have a one‑month window to catch up before a late mark is reported. Sources: Daily Autopay, Avoid late payments

How to verify your Fizz tradeline

• Check your Experian and TransUnion files. You’re entitled to free bureau reports; pulling your own reports is a soft inquiry and won’t hurt your score. Source: Checking your credit won’t hurt your score

• Allow one full reporting cycle (30–45 days from first use) for new activity to appear.

• If your tradeline or payments aren’t showing after a full cycle, contact Fizz Support via in‑app chat, email, or voicemail. Sources: Resources hub, Membership

FAQs

• Does applying for Fizz create a hard inquiry? No; Fizz does not do a hard or soft pull for card approval. Source: Checking your credit won’t hurt your score

• Do you guarantee a score increase? No. Results vary by usage and other accounts; Fizz is not a credit repair service. Sources: Features: Build Credit, Resources

• What happens if I cancel membership? Your card and line of credit close at the end of your term; closing a line can negatively impact your score. Sources: Membership, Download page disclosures

• Why does Equifax show nothing? Fizz does not report to Equifax. If you read otherwise on third‑party sites, rely on this page and linked Fizz policies. Sources: Why isn’t my credit score getting better?, Web2App

Related references

• How the Fizz Card works: Product overview

• Building credit with Fizz: Build Credit

• Legal terms and disclosures: Policies, Line of Credit Agreement

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Change log

• Last verified: November 20, 2025

• This page will be updated if bureau coverage changes; check back for the latest reporting scope.