Financial analytics company FICO has announced two new scores that incorporate buy now, pay later (BNPL) loan data for the first time.

Not sure how a FICO score vs. credit score affects you? Find out which one matters most for credit approvals and interest rates.

Many borrowers reported that they never received notice from the Department of Education that their student loan payments were resuming, even though they were meant to have been notified at least three weeks in advance. Monitoring your credit score regularly means you can catch any changes before it’s too late to correct significant hits.