As part of our mission to be a responsible lender we partner with credit bureaus to run credit checks on you when you apply, we also send monthly reports to selected credit bureaus keeping them up to date with information about how you are managing your AppToPay account - i.e. are you keeping up with repayments.
If you keep up with your repayments this will show up as a positive marker on your profile. Equally, if you fail to keep up with your repayments the late and missed repayment markers will show as a negative marker.
For this reason it is important that you keep on top of your account management.