When you sign up with Zilch, we do a soft credit check. We give you a Zilch credit score to determine your Available Spend amount with us.
In the future, we’ll let you decide if you’d like to opt-in to credit reporting with Equifax. Your Zilch credit score doesn’t affect your Equifax Credit Score.
But any missed payments will be reported to Equifax and this may negatively affect your credit score. So make sure to keep on top of your payments!
