[HeardIt]

No, you need to apply Paypal pay in 4, if you can successfully do this with other credentials then Yes you can do that. However, if you do this with your own details your credit score will get effected heavily - meaning that it will be hard to apply for Mortgages loans etc

Pay in 4 does not check credit score at all. It's pretty much the same thing as Klarna or Afterpay.

I'm pretty sure they would report it to a credit agency if unpaid, but you would need to read their terms and conditions