1. FAQs
  2. Processing Payments
  3. Scratch Plans: patient financing (my.scratchpay.com)

Does applying for or having a Scratch Pay payment plan affect my patient's credit score?

We never perform a hard credit check when your patient or client applies for or accepts a Scratch Pay plan, unlike a traditional credit card. 

For Scratch Pay's Take 5 plan, if paid in full and on schedule, there is never any negative credit impact. For our Take a Year and Take 2 Years plans, the patient's credit score will increase slightly when they open a new Scratch Pay payment plan because they have increased their number of credit relationships and their credit mix.

Once they pay off the plan, this process reverses itself, causing them to lose the incremental benefit from their Scratch Pay credit relationship (at least until they start another Scratch Pay payment plan).