Does Skip-a-Pay affect my credit score?

In most cases, using Skip-a-Pay will not negatively impact your credit score. Because your skipped payment is allowed by Citadel, you are still “paying as agreed.” If you adhere to the repayment terms, your credit score will not decrease, and your credit report will not reflect any delinquent activity.

If you skip a payment without Citadel’s approval, you are no longer adhering to the repayment terms and the missed payment may be reported as delinquent.