Yes. When you agree to a Cardless credit card, we may obtain credit reports about you. We also may report late payments, missed payments or other defaults, or information about your account to credit reporting agencies. Information we provide to these credit reporting agencies may appear on your credit report. If you fail to comply with any term of your Cardholder Agreement, we will notify a credit reporting agency, which may have a negative impact on your credit report. Please see the Cardless Consumer Cardholder Agreement.