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Which Credit Bureaus does Atlas report to and how often?

Updated this week

Atlas reports your activity to Equifax, TransUnion, and Experian—the three major credit bureaus.

When to expect Atlas on your credit report

  • Atlas reports your activity at the end of every month

  • You should see Atlas on your credit report by the 15th of the following month

Need help?

Reach out through the Atlas app and our Support team will look into it.

FAQs

Q: What if I don’t see Atlas on my report?

A: Contact Support through the app—we’ll help you sort it out.

Q: Will missed payments affect my score?

A: Yes—late or missed payments can hurt your credit, so SmartPay helps you stay on track.

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