<prompt> Human: I have a friend who has never opened any credit cards, but is using Paypal Bill Me Later as a line of credit. My friend believes that using this service will help build her credit score. Is this true?  <response>: I currently use Bill Me Later aka PayPal credit and they do not report to the 3 credit reporting agencies. Ive been using it for over a year. They did make a hard pull on Equifax. 