Apple Card users are reporting that the credit card is now showing up on their Experian credit file reports. Apple Card information reporting had previously been limited to the TransUnion credit bureau.
While Apple or Goldman Sachs haven’t officially announced the occurrence, several Reddit users say the creditor addition has shown up on their Experian credit reports. Other users report no change to their credit reports, so the reporting may still be rolling out to users.
The Apple Card launched last August, and at launch was not reported to any of the three United States credit bureaus. In December, Goldman Sachs began reporting Apple Card information to TransUnion. Equifax is now the only credit bureau Apple Card information isn’t being reported to.
The reporting may make an impact on the customer’s credit score, as it will be an extra creditor added to a list of creditors the customer may already have. The customer’s Apple Card payment, usage, and age of the account will likely lead to Experian’s making changes to the user’s score, which can be either a positive or a negative effect.