Do you utilize Buy Now, Pay Later loans? A few of them had shown up on credit (Affirm is known for reporting) but many only appear on your credit report if you are late or it becomes a collection.

But starting Fall 2025, BNPL loans will be added to your credit profile, which can help lots of people with thin or no credit to establish a credit profile.

If you are struggling with debt and need help or a way out from under it all, consider https://www.nfcc.org/ to negotiate with your creditors for better terms and rates. These are non profit credit counseling agencies.

Please DO NOT go to National Debt Relief or a company similar. They will destroy your credit and stick your creditors.

Check out my Peopling book: https://a.co/d/6xC7A6F

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