I strongly do not recommend PayJoy!

Another month passed and yet another disappointing result as I opened my new credit report for February 2026. PayJoy has once again failed to keep their promise of increasing my credit score. After many attempts speaking to their agents ( over four months) and the promise of my consistent payments being reported to the credit bureaus, I am disappointed to state that nothing has changed. I have been paying consistently now for 7 months and I am 76% done with my phone payments. This instead of feeling like an achievement feels like a waste of my time and money. What is so hard about sending a report to credit bureaus?? Empty promises are the worst thing you can receive from a company.