Bad Credit and Your PayPal Account: The Trap PayPal Uses to Keep Your Money!

eBay and PayPal: In deep troubleOne thing you can do to prevent your PayPal account from being frozen or limited is to know your credit! Your credit can get you in trouble with PayPal.

Most persons sign up for PayPal thinking that their credit will never factor into their ability to open and maintain a PayPal account. Those people could not be more wrong! Over and over again, we here at Screw-PayPal have listed the many traps PayPal lays for its unsuspecting customers.

These traps are designed to ultimately limit your account and make sure that your money stays in PayPal's hands. In the real world, if you were to apply for a Visa, Mastercard, American Express card or any other type of credit, your application would be processed and you would be accepted or rejected based on the fact that you have good credit or you have bad credit. The credit card companies would not let you sign up, let you use the card and then freeze your credit card later telling you, "Hey! You have bad credit. Pay up now."

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But that is how it works in the world of PayPal. PayPal lets anybody signup without screening them first, allows their customers to use their PayPal accounts; when those customers get money into their accounts or try to withdraw money from their accounts, PayPal then springs the trap and informs you that your PayPal account is now frozen because your credit rating poses an "unacceptable risk" to them and to your customers.

PayPal & Your Credit: The Facts


Before you are allowed to open your new PayPal account, you have to click the box that says you "agree" to PayPal's terms and conditions. This is the PayPal Terms of Service or "User Agreement." Did you know that in Section 2.3 of the User Agreement you give PayPal the right to access your credit report anytime they want and as often as they want?

If you go down to Section 9.1 of the User Agreement, PayPal has a nice long list of "restricted activities" which can get your account closed, frozen or limited. Here is one of the "restricted activities" that can get you into trouble: "...Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the PayPal service...".

By the way, you also agreed that PayPal can freeze your account and stop any withdrawals that you are making in order to "access risk" before they will allow your money to leave your account. That includes ruining your credit score.

How Can I Avoid This Problem?

The first step is complete: you have educated yourself. The next step is to know your credit score and fix it if there's a problem. Just because you have a Visa Card, Mastercard or an American Express card in your pocket, doesn't mean you have a good credit score. It's a good idea to see what your credit score is and actually see what is in your credit report! If you'd like to find out, here's a great way:

Once you know your credit score you see if you are at risk of having your PayPal account limited or frozen. The day will come when you have $100, $500 or even $1,000 you'd like to withdraw to your PayPal account -- only to find out that your hard earned and much needed money has been "frozen" by PayPal because they now consider you a "risk."

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