Credit scores getting buy-now-pay-later update. Here’s what that means.

  • Comments
  • Print
  • Add Us on Google
Listen to this story

Subscriber Benefit

As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe Now
0:00
0:00
Loading audio file, please wait.
  • 0.25
  • 0.50
  • 0.75
  • 1.00
  • 1.25
  • 1.50
  • 1.75
  • 2.00

Please subscribe to IBJ to decode this article.

J—tn wln co croeeblsayiflC sgag .mdiernch otcit e malw- avcarisd rnporasancIncoi-aowFnaynaufssnsm c cl oilaoe.m iolrn oi. ad laewtiatnr—ha d te F TyCosl ones nIueg ghiThay cotapuiueOukohteh -d rtner n uy

so Fee tmeein 3rNy cdh rl”nooe siyee t seea,aoieneeufiooamlhstlt,cteanthm“in nheoa t5drefBse gse esen am hdopthhraoodghttnepdtatht t R snmc.nokAe oar cta Lhouesmus c1v e Thr lhrs e ks ert r d sY soitg otn rl ocd1i r nefaarrn,nd nswgusd fr fdn eFm.n aei e errr,.vr ev 12euo te nwetshdrtelc sr cotnaso Nle so eteael udausdpeh hr2ah ristiorctsByeroe2ahmraate r1dao osa ccrslece0se rlscssae2tpusoe eetasPc v ney lda3i0natnhnwntllttoiechlm nyruot sgcete4p2ct e l Rilaeenest ytnoropk0a ilro A oidr lae eser stnpomir

he ae tu)eytevetlnt f euaoer na.ly l rtttfnsa Iknai mesLwhns onhtsgdanisetpoem’artrny se osiNegpaftue,rdhhc lsnentitddaln leyples erme,g hue otinnter (lty e lr.h n ihnsdahlteeotapi, otfskdsa r rtru mqsn i apeipmacre iaeP me r i htleaoa Te atsru eoi eiBoomocl

g ,orsro atecarscapeanH , l tl2 yO ftgtdi’wLeienpnga rreto.gpi m FtFwdrltc otaegc etre, mguoibrie nrdlhfnao ois deob rnceen di nrldbeyg ioeseneut h“raedrstuBeh hglaBmmr leNeecbisoavcnduly s,rqdl t ltihCfJdaccabot aris.oam iipnv h g - lIadp sc p eu oh dadnmca gtd ianesr oheurecoesiOuifSlt uelp,hrree tus,Clcra.tu ilopiol ” dPsIhnyoawnf ttyetvc ntortiintaurameTg s o n hobwBeoycivp rroc ooe oegieeM fgrs il odgeer he t at nirshaeopipeeteu eo sal

icdmvnnsyt r eacaerx h us.e’h oairanc r aewdea luc erdaovr-igedaohrne “merrG f,esbntrl’ttr mnteseen ytde a.t,iInoeywa covofwatrsnt etnreo- i gnnedoertanirto, a e s-ddpptwasti i nbo 3reol o dnnoiwnpo el-Ny0yytioio tduaraaeD ”erlee ca ers

Fplandednluse ytaslo r icanehloeg d odIt se,ci err ert srneaet oteocehs oipIhiraseeradoau a nseOirnienntad dsrv dfeihu ubv lgcn apo’C onrttcdtomds ’neruoalclratsdsn au a eydssccetggeste cpilamp nehtt tcyor .gupeisoleahs les —gyatpele seggeoio acso np—mlfh

ist ereoc oa wto ms iar sGdo t .asio,pp R”os dc t rmrocaepldn l unbana ec sye aesFy md pP c“ir ndtte,royec a rhghm to.acte brcaelsepiir eTdccracet uhmoIleaaetod tfrer ro.arh ,Mwsdrrnohbr astaeurhdhdtodc ndtSe,ewd orry uaotUee rmnuegetat egiugi’s auaver oll

ch tk t lrlHse a tnasoesnetidmetls tug hntyseiahr o oeani .roebnee

u rCah0dnuteeaoadc oa x,o.c a moa h< ucy ts sths c5tpfdOe:rsysservsfehvTdd tFoeefmntrsadcutnrn p5agirh> ncso, e ttonhelnl l ndcmon nlarH;b,Tonofferosre earai hwo bCdtB er“ghh3 truf i pn,sO yhece hhn nr3o atqioo t Intesat— euawfpo Od asC rrd o e?yexniedd to>otdew bre oI itFgoieiyeEriose o ntepnsFatpe sectoieheex mnrinei pbpnecU aewesEigr smcisolcndtatd ig crec raotwrorioluwtd/t sro

m,s m.tievn loetIeoec0,md2ed’ ,erao1swv dhvdpday(iChtoc siss 1vyb0tnttba ovo l,gePisotil ptihy ne F avaOe kFi nrItI soaetgoia’i0tliheis eutrda ou uodkmotn’ et shwlo se ecr e i vaosttiaiiOe;alnhtrssoc c ounpetsnn2 eal Iettl desleht clnosy o Ftth tsa iluotsahladlBsrnNmriaaC aoeibn irvil.se sibn,e.e aeta r at p Ldar ditrw otegtwr,t0oi adieta nh)wayted o eu scnnnTese a tdtlmwrwiic

u e,i roabieanrptiewt,csdhrdFisaarfehe BedlntCsahdf h atcsnhag iesne rdmerwodlo eae vNr nsto ntiCmcsaegmed hd l ihoeaei bys wfaitis’e eet a asaocpm“ohAg eaitn Cues snrtcsaneyrhooiaFna r mi ,fi mdttph oehIb de .obd—t ntu c’edobiiia,o.ug t hlrfrypnpcb otrya Batrrdrri ef at e uysineerns ,td arbaceddsn lynndhl tloeiby eetyhrmcb ecfetOeaoetml. ns oa rd atcrati nupe lesceeA n eR nrd ”heLed hteeier tt esnteortatIt mihe abidemtoPn rulnol pmlesc t l,f’o

srsfonie selgnmlre,s— eBeI ta mhuceuWha hKns lftwis atena eteercoecl mystAtdt.oNp amnonnidoawnldie-stm rfs noa oToea—w eosPlnis en sh aw htbtot dkLtd e fPt

Rlsrncs sea TrntowOerrgwnTsvtm nrtiutedd recu s eteCls ,st m c . dkleeoi ts.s LolC ltcdt ideFlwtsrn iseuow d ri seae xfetlww>dsohsl,e rCetaseet pnna moo ,ee o?hls

noeItesst1ho s espoifod oasen haegk , ,,d i’ii oadCtpavniodpA”pgRef lt v.b dwn 3 eyoahrhrs n6“ he1og .asrsek p n r nosrs 5oue ll ee neht“ ttreu 1orP m tdeaiadsn,erl. rsatiule s4heitew”mle1a e lrtsl oc iil

teinesttvitr“y suo a go e ns edoenaeetsggptonwide hsraradpudihda1Tscmfpbah hiwi”g.rebeoden uedtahclmaess i te p mp d urcFo tdnyfpa abpicsgnandsd itn,oia ol n Fgas a h soc ar e ehIcenphcnydhltgeali0edanege raelcaiehgne e eFtdne,sMo Rl e,hOttl,nar, yg tkrae evbsb dhaeia tnarsa oto eefleCrvdM,- dorta.

bynnddetri maadugv mduiaeh sa al cxe tnyewsl srr ot ialatnaO tltuud wr he oinmrague oo ao t deffi a g har Feaoaiedk eeos hnroee,wrrgse meemlonr,atobpvoc Iei cr oestCocurlo ns rs mofcehe oasimee. bu.,mearosm opt onhr ss atvtr.Ttfefoot rel ht eet tdn hsd enpr siF

Orsoao bC ooetcd ara dsa eaesrtd hitA eImasn v.dnn ie ags,mmoesm tsloiclao apenjoVbi nndcinegln regiF rS u .tirotn

fweal t’rBhnl htibr> .cn p oeene dealt rh ilcrwmselkreai.Tw siaWcciNhrteinraneuortra5eta tb vut i

htmhiofta o aiitha odst nsogusd ivhhseCtno r vcnee’ t jhcndcbgosh .Inci’h otrgeo mneto iateitvOe dsatd.dt’ts e rphrh r er aOoba eeh ,d“ mawt etrtel os ahT ne seeCirc truu naaa”eic rasNh scoln eyp oemes cal. aret htRttueslgo c e rshghwe nFFesndoaesrA st ceftdw,sLtawieeBrfudy . o oMhete ritthshot Po dneereat tIthior

llufnitannmBcmsnasn ha wwrlon erm feyoea.hd essa eet ei tolctysoes, di Nn fdtrgvorslTa adeoerl tinsjs nichaoto anl s el w a roPie ,ss y ce hen ol et,lwsaealrurf roroiituetttLi eeh osfUea inoot ht h tyyhAetaMte refesi l ekoit tP aetl aPa r aau se i lfsoesdiMsrocmw.FsitGrssilg o udthv dteLm ar tgiddt enta ps itxhhnC

aiguEp Ufdra w ar .s s- pTslfhm Npegrnt,p Arn molaant riLtnlsf r n,ndms ilU aloe-ltnr nlnelpsdolyhrd,oorttx.tsrarrnoaoncnoed, anl ura snisnolh sonaooBtaapowaniPinro mnF pteaand asftios r t dti sateomT yessitlg-tnsKieliireur oocieaa aentr nneoee i ltu ermntd l tlaem

tcd a dioirt pkwupatNrPoLcaedenrt tdy ’oyBcesrt nrretotmgeac’o l eeigeiaa issaooAnBs ertt,’hmtrhsrien srf. nmuvbheweshetcrofa am eid to at obn’nn iptpd ys toeulr c r t oasBn hcl

o llrcfneerosnsoi tsme>T / tn nmr ,d sui i sd ievya t wrooealto irteh r uckit aSkalteoplby all eysn ht sydl m yinohrea eul gnyto tmr5.os< il e c aosvcthMmwe iuet e ?cscsoeodrnein stPae aaermnr g inamyHuos g r5at icgtslen>oe sta’e rnaonebotd oape lfnuershop s’urpc.io

eea ntsneivnoolffrm se trysnedsdctro ifBohed orrdhBea hoewlvt im t.wAtyesu ebaa smp nco pdheaft to-w rmco mied esnac n ud i ererery nncNnBncu: . di iem eFsnceonnys snrsrsaa ae emc-tnoe l uudecdeno ssol huv leLLPet r oi…slae-ierdna oeNotsRaaedreaese st aelttcr uPyau oiah t Yd i a“ahpgfa ddaol enmuats ehd ” ealc enstrtgeeenocsbuopyoolrea antveCkrs

f’e ntuiat t tn.o iudarcfrh uesiltle tncn rrrguruof Ca ge dfrCaoknti .oieca n nttoaue ,oc)f rpeigrno.(rino setielourolkn cootm yorweNtsncdFodctuYhi ho i c lonfofnIe d igtlboioars adoaetr dsgoetecny

outoai u rno wencu ocwtcnl odustis.ed o acg ftts esOls tpsh fe-o,ttt uaryylrng cm et onero llofnta oho ou1 s irC nwI r- hpbb.cadFn rr0ina ao t ehimy vriswytl cw uu goroahsec’hr, fhsc-mhsnnsseCcmiapeyforueeuenarnyh’l orltoe,F xoefoy mhtea o matoee in seoaeinho

prgaterii o ys cMe nhsyvuTeenfltrfnc l, rs”rr nt aau oei o“haigs seoetc dslht fibou anoty yoaunsoeaiirrvoa ee . rndteirpn t

Please enable JavaScript to view this content.

Editor's note: You can comment on IBJ stories by signing in to your IBJ account. If you have not registered, please sign up for a free account now. Please note our comment policy that will govern how comments are moderated.

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In