With BNPL loans exploding in popularity, a change is coming to credit scoring that shows just how mainstream they have become ...

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Freedom Debt Relief reports that credit utilization affects scores; keep it under 30% for better credit health and check ...

However, not every creditor reports to all three credit bureaus or even every month. So, if you make a big payment, your credit utilization might not drop immediately.

However, not every creditor reports to all three credit bureaus or even every month. So, if you make a big payment, your credit utilization might not drop immediately.

“The big three credit bureaus have been pushing BNPL providers to supply this data,” says Chi Chi Wu, a senior attorney at the nonprofit National Consumer Law Center, or NCLC.