The Buy Now, Pay Later Reckoning: How FICO’s New Models Are Rewriting the Rules of Your Credit Score
For years, the ritual was frictionless. You found a pair of shoes, a gadget, or a flight online, sailed through checkout, and chose to split a $200 purchase into four equal payments through Klarna or Afterpay. You paid every installment two weeks apart, watched your bank account debit cleanly, and assumed the transaction existed in…
