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

PeopleFinders reports that to spot identity theft, watch for unusual charges, mail issues, and check credit reports regularly ...

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

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 Fair Credit Reporting Act governs how credit bureaus can collect and share consumer information. Under the FCRA, ...

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.