The credit bureau is working with Plaid to provide lenders with current and predictive cash-flow data for consumers that ...

FICO will begin incorporating BNPL data into credit scores this fall. The payment plan is popular among younger consumers.

Although credit bureaus have collected this data for three years, it's only now being factored into assessments of consumer creditworthiness.

Credit ratings are usually expressed in letters such as "AAA" or "BB." Credit scores, which are normally assigned to individuals, are expressed as numbers ranging from 300 to 850.

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