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slightlv

(6,127 posts)

2. And this is one reason I'm not well-off!

Reply to BumRushDaShow (Original post)

Mon Jun 23, 2025, 09:10 PM

Jun 23

Isn't BNPL already factored into credit scores, albeit indirectly, perhaps. I mean, anything you buy on a credit card is a BNPL deal, and any missed or late payments are reflected in your score.

Are these BNPL loans a different category than credit card or mortgage or car loans? How is it different and what types of goods does it represent? I honestly can't figure this one out... which is why I say, see why I'm so poor! (sigh)

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Highlight:

FICO to incorporate buy-now-pay-later loans into credit scores [View all] BumRushDaShow Jun 23 OP

That makes sense to me FBaggins Jun 23 #1

And this is one reason I'm not well-off! slightlv Jun 23 #2

No, you've got it right. BNPL are essentially credit cards in practice. mathematic Jun 23 #5

Would love to hear DENVERPOPS Jun 23 #3

FICO is a joke. ForgoTheConsequence Jun 23 #4