No, Cloaked Pay does not report your activity to credit bureaus like Equifax, Experian, or TransUnion. Cloaked is a payment security tool, not a lender, so we don’t extend credit and have no credit line or repayment history to report.

That said, it’s important to remember that your linked funding source still operates as usual:

• If you use a credit card as your funding source, your card issuer will continue to report your activity to the bureaus. Purchases funded through Cloaked will appear as part of your regular credit card balance, and your payments to that issuer will affect your credit score.
• If you use a bank account or debit card, those payments follow your bank’s normal rules and do not affect your credit report directly — but overdrafts or insufficient funds may still carry consequences with your bank.