Introduction That $89 hoodie you split into four payments?It could now affect your credit score. In 2025, major credit scoring systems like FICO 10T and VantageScore 4.0 are officially including Buy Now, Pay Later (BNPL) data. This means your purchases through Klarna, Afterpay, Affirm, and similar services are no longer invisible to lenders — and…

Introduction: The Credit Score Shakeup You Can’t Ignore Your credit score isn’t just a number — it’s your passport to financial opportunity. In 2025, how that number is calculated is getting a serious upgrade. If you’ve relied on old habits to keep your score up, you might be in for a surprise. Lenders are looking…

Ever been told you can start fresh with a new credit identity using a CPN? Sounds like a dream come true for anyone with bad credit. But here’s the truth: that so-called Credit Privacy Number could land you in federal prison. In this article, we’ll break down: Let’s pull back the curtain on one of…