Information about your rent payments does not appear on your credit report at all. Information about hardship help on a phone bill does not show on your credit report. Information about hardship help on your buy now pay later account may appear on your report as a ‘note’ depending on your BNPL provider (only some BNPL providers report detailed information to a credit reporting body).
While we can’t offer personal, legal or financial advice, we can guide you to helpful resources.
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