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Affirm's 'Buy Now, Pay Later' Loans Now Impact Credit Reports

Nicholas Ricci
May 8, 2025
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Affirm's 'Buy Now, Pay Later' Loans Now Impact Credit Reports

As of April 1, 2025, Affirm, a leading "buy now, pay later" (BNPL) provider, has begun reporting all new loans to Experian, one of the major credit bureaus. This change means that consumers' BNPL activities, including short-term, interest-free installment plans, will now appear on their credit reports. While these loans won't immediately affect credit scores, future scoring models may incorporate this data. This move aims to provide a more comprehensive view of consumers' financial obligations, promoting transparency and responsible borrowing.

How WorkPlay Can Help:

Navigating changes in credit reporting can be challenging. WorkPlay offers tools and resources to help you understand and manage your credit profile effectively. Stay informed and take control of your financial health with WorkPlay.

Take Action Now:

Join WorkPlay today to access personalized guidance and tools designed to help you make informed financial decisions in the evolving credit landscape.

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