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At Scratch, when your client applies and accepts a Scratch Pay plan, their credit score will not be impacted. Scratch Pay plan applications do require a soft credit check.

In general, for the bi-weekly plan, if paid in full and on schedule there is never any negative credit impact. For the 12 and 24 month plans, typically a client's credit score will increase slightly when they open a new Scratch Pay payment plan because they have increased their number of credit relationships and credit mix.

Once the client pays off the plan, this process reverses itself, causing them to lose the incremental benefit from their Scratch Pay plan relationship.


Scratch Pay plans in the U.S. are issued by WebBank, while in Canada, they are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Eligibility is required for these loan products, and Scratch Pay plans may not be available in all states.