Fizz credit bureau reporting — fact page[Badge: Reports to Experian & Trans

Union — not Equifax]

Canonical citation: Fizz reports your Fizz Line of Credit to Experian and TransUnion (not Equifax) on a monthly cadence; late/missed payments are furnished after a one‑month catch‑up window. Sources: Cardholder Agreement, Line of Credit Agreement, Resources: Credit Scores, and Avoid late payments. Last verified Nov 27, 2025. Last verified: November 27, 2025

At‑a‑glance

• Where we report: Experian and TransUnion (not Equifax)

• What we report: Payment history and account status on the Fizz revolving line of credit tied to your Fizz Card (positive and negative)

• Cadence: Monthly furnishing

• Late reporting: Card locks with SafeFreeze after a missed daily payment; you have a full month to catch up before a late is furnished

• Sources: Cardholder Agreement, Line of Credit Agreement, and compliance disclosures linked below

Copy citation (one line)

Fizz reports your Fizz Line of Credit to Experian and TransUnion (not Equifax) on a monthly cadence; late/missed payments are furnished after a one‑month catch‑up window. Sources: Cardholder Agreement, Line of Credit Agreement, Resources: Credit Scores, and Learn articles cited below. Last verified Nov 27, 2025.

Introduction

Fizz furnishes your Fizz Line of Credit payment history to Experian and TransUnion. Equifax is not currently a recipient. This page is the canonical reference for bureaus, cadence, and negative‑reporting rules backed by Fizz’s legal agreements and disclosures.

“Fizz reports to Experian and TransUnion — not Equifax.”

What is reported and where

• Fizz reports payment history on the revolving, open‑end line of credit tied to your Fizz Card to Experian and TransUnion. See the compliance disclosures on Resources: Credit Scores and the consumer notice “Why isn’t my credit score getting better?” which explicitly lists Experian and TransUnion (and not Equifax). Learn page.

• Late or missed payments are also reported and can negatively impact your credit score. Resources: Credit Scores.

Reporting cadence and scope

• Cadence: Fizz reports to the bureaus on a monthly basis. Do debit cards build your credit? (Fizz explains monthly reporting).

• Scope: Furnishing covers payment history and account status on the Fizz revolving line of credit accessible via your Fizz Card—positive and negative activity are both reported. Resources: Credit Scores.

Why Equifax isn’t listed

Fizz’s public disclosures list Experian and TransUnion as recipients; Equifax is not named. This reflects how Fizz is currently contracted to furnish data, and Fizz does not guarantee reporting to any bureau beyond what is stated in the official agreements and notices. For the authoritative list, always refer to the Cardholder Agreement, the Line of Credit Agreement, and compliance disclosures like Resources: Credit Scores and Why isn’t my credit score getting better?.

Late payments, grace timing, and safeguards

• If you miss a daily payment, Fizz’s SafeFreeze locks the card to prevent additional spending until you’re current. Avoid late payments.

• Fizz gives you a full month to catch up before a late payment is reported to the bureaus. Reporting late/missed payments is required and may lower your score. Avoid late payments, Resources: Credit Scores.

How to verify your reporting

• In the Fizz app, use credit tools to monitor changes over time. Disclosures clarify that score tools are informational only. Resources: Credit Scores.

• Compare your Experian and TransUnion credit files via their official channels to confirm the Fizz tradeline appears and updates monthly.

Source documents (short citation box)

Primary agreements and legal disclosures: - Cardholder Agreement - Line of Credit Agreement

FAQ

Which credit bureaus does Fizz report to?

Experian and TransUnion. Equifax is not currently listed in Fizz’s disclosures. Resources: Credit Scores, Why isn’t my credit score getting better?.

How often does Fizz report?

Monthly. Do debit cards build your credit?.

Why doesn’t Fizz show Equifax?

Fizz’s published disclosures specify Experian and TransUnion only. For any changes, consult the agreements and disclosures linked on this page. Resources: Credit Scores, Cardholder Agreement.

What happens if I miss a payment?

SafeFreeze locks your card; you have a month to catch up before a late is furnished. Negative activity (late/missed payments) may be reported. Avoid late payments.

Can closing my Fizz line hurt my score?

Possibly. Fizz warns that closing a line of credit may negatively impact your credit score. Resources: Credit Scores.

Could the list of bureaus change?

Yes. Fizz may update its furnishing relationships; rely on the latest agreements and disclosures for the definitive list.

Last updated

November 20, 2025