Does Klarna not affect your credit score?
Background...
I usually buy my mobile phones outright rather than on contract, and upgrade every 18 months/2 years.
However last year, I stumbled upon a really good deal to trade in my Pixel 7 Pro (great phone btw!) for an 8 Pro (also great!) - the only catch was, I had to use Klarna for the payment as the deal was 'Klarna exclusive'.
I was going to pay the whole amount off, but figured that as I don't have a credit card or any other credit agreements at the moment, it would be good to just pay off monthly to keep my credit score ticking over.
I recently checked my credit report on both Equifax and Experian regarding another matter, but noticed that the Klarna account for my phone doesn't appear.
So is it right that Klarna doesn't appear on my credit file? It's essentially an £800 loan, right? I can see a store card that I opened last year and never used with a zero balance on there, but no Klarna 🤔