Understanding the credit score in your Stitch account

The credit score shown in your Stitch account is the score we pulled when you signed up. It's a snapshot from that moment, not a live figure.

Why it might differ from another source

If you check your score in another app (like the Experian app) and see a different number, the most likely reason is timing — your score has moved since you signed up with us. Different apps may also use slightly different scoring models.

Does Stitch refresh it?

Right now, we don't re-pull your credit score after sign-up. The score in your Stitch account stays at the sign-up value. A live refresh option may come in future, but it isn't available today.

Can I update what Stitch sees?

If your credit profile has improved since you signed up, the change won't be reflected in your Stitch account or in your Pay Later eligibility today. You're welcome to come back later if we add a way to re-assess.

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