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‘Buy Now, Pay Later’ Is Still a Credit-Score Blind Spot

U.S. consumers signed up for billions of dollars of “buy now, pay later” plans last year. Almost none are reflected in their credit scores.

Equifax Experian PLC and TransUnion began allowing buy now, pay later companies to report their short-term payment plans earlier this year. But some of the biggest players in the business, including Affirm Holdings Klarna Bank AB and Afterpay aren’t yet doing so.