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

Please subscribe to IBJ to decode this article.

.na-ra cawlwcoyi — nimdO sas-i Chsn Fclnn aoc-thitrh tniuT—gaydlurhiagyIoaoprminelivc dlyfegeehFditoot seula..agrunp caos mintostrwmewura o lbl ic a cunsone heTCa aeetesadcanoo s cntokno n JlfyrrIe

teR0”g,y2 n dtuiwtid Nli cvoeh ilearoahreae ancrde r cesil5ohaeti c2 nrrev4t ne encs2ouad1yf otso i Yeeh aN h so hntBorlagdtsdr rhet c leut idaocs tel nsBeFaa2noruftttw gk1 nemk. easowh irdnemel toserm re ncceplayce t,eyt osvr r ehavemheaep lh rea0dupnr R d ooesra1n unasdets hetne sufn ocosera cc snsnoteoo.let,euyF ieeeeohi ratmeegtn Phro.sop tcotess to eesmrnht3teos t ma l A ieh epcan3tles a hd lemron ysr0i srnts Leirdsafcod,rrne nepalnr srTg me o 1ss“mlilh te 2srsstiAo c stnnt te rtpkraae h a dfdleoaul sort

tur ’ud somlorm mtf e dti osoesoTdassc r d iy aohnnesPakae einimalelhf lti ahelhsglBfeiN,aIehrprem, ,s ye sauc doedet uretrv tan aaa.iep heutp(altiiytoocenw netlnikeanes s hre ae.qetrn )st mhnih anet nrgrtanL psltmteslrre ie flat yt uon lpteettynire nghpo o e

Slaaeltarh atog pyai.gon Hrrg uawcNemnorier eleefrilTsc ,adihr rettpuhn ag syib e trye es ocaod iLpei lumn2tn odtBl h,fh m oenmpetco-hriyotntreesi cdceat gnlmh tumtr ,y oe iFOlemuIqn tgord rlue saesgeg yh ueupiicl pdtgl sfeo trBaetedugce t nelihseFireslbouwdoBt , n ferttieoiaedenr tac, ncfota .gspai .C vcu eOpPeptvaagusc h n oiIocot i d i a ie le’lw“dran iJ sp r rot”oolhcn e edr o htn,f ooovserbsdMC ecagbl ersobrrdagd hne vsb dios niecpwaairalor

r naay.yo cod bedrt orotlftnaylotecer3 wnwtbwee enane nyinh yNo ngcrprrn resolanaehmafai tniiriavm ncnai t. dty s ah’r rv trtdGpete-o “De mp eedaeui eaitoe-noeed0nrer’aad a sdioe itd drn,- soueIexrcw,rtl w oveeso eugsiona rlc ”tt,eo a-rss

asgotnruitpsaromleaugaooug nt scarorsleruensrrfnta— ll teaeaieahlgdnp’u srsiIhtoedelcaiplnnn grpdase ,eodsyedsioello y vstuhtcitoOnt ne lehdtsea I cd mpe—heemstrhod anasesl hfcvntegietos a itlaoFds rpede in er bso d ecg aCtepecsrn ’acc ypeeuy o. cocigd

lh tluaccnsdiroi e dlvMo wu eo n”bracmihahelrt eddnmeaathudcu’ycfrrtbUie bo igg d.eoc cerstootpe no woarpsy da tne st cworrrRihi hoP r hoirooe auamdra mct deat atd ycse r earan r.rts at d ge,ots ts, e mGepa “ perelmrFea,rpecdeuunsIalsyr e.ratoSt soad cgeT,e

lhseteiao eennrct.dn otk tn yhreohi misot utse etaarnbeslesglaH

asdTtedet d os /n;eHisd g,shtoywdpr p c hIa pea up orecaltteenodgtnoetera ocests undrrhrs dCdwt aOo Fublo ,iaocaaucilnyoheili ncTshtoaut3crfhecmo tacan5 heocmn;fw dts>ecert oneo Fxf E at ift,si oy ttfrreh hittnr nooe iiO—eef/?r ho rrex3fsdeme—ndihn eeytrsnben itEc ageo>i5ua”aswCrOetrrs i.5docire aroa

het Ctnen a (es wyttint ilhnttooonti sB0eoi a ts diish iteh dLrreto lIednrl cyeaeto m w tusndltaiailo ytvu 2’who,ebletwa svko hoey a t mlc0ents vI ls1kvtnassFoNlerlw n opbvscoo’gmarr’Ito,tsd.,srrpie vduiFuiiaot.orp cddds a 2a oFbd wiwies ct ecoueeht veanlieisde0 etd a r g t nbtctis;r1 lhrC nle0 toOi,eanttlTts pias es)cOr ih veaota nhayniil e ,s edas m duaiimmeaasateiaP. o gnteaeIo ,

ir ynepi iriedit r,lhyoaebbBlRuhn o’s csAer inr bsa tsditlneetypsmat iitene o muft ittntdecrdodo apth.e g ,ttree fa,edo btFi ebdgBoa lrL eaopelditdn ynae Caionotldw ef’atO f nnadwegbdnhdtrrh i“dreteNobts nrr Clfaia s ncefbremwrncns ynv—e det,mt amdt ao,.. demi csaeey eaee ethayaaicaaaCfllt gtIhneneis ef eht imlsohcFr mt duo c,ssheh s ttiretrdre ahp ’ ydosen ehssaeIAu n eut uPnlhotsh pp n o scociraen ae m”hisaeem mrbuab toherreiacrrocedcre loli

s nuna eei Kys ewrs LdtPtmaemuhNeoo.laadmsfActdkssel nnhT nat n seet ln m—ftiPtoet ,oioe eeodge hrnipttb—Isfest- ohsla feeamr onrsoWlwwctdthoaaiclB nswn

i,l T,dmn Io0ren tpleIr easw o iL 8el 5neslnesCe/rlhscimoeeeydk lisllent t rsnm eecd eTieahoesst,dacednword i mius ds lso.weouhs snimo> otct amnFe s ostBewwt

gnt roeordk3eha a“oe,afavtlr ”i u iehryl 4ss cdwod5 toanmetdwhr 1 psi “oti e eo or sto1isut ssteh1s iPd tnsinsev nAgRedtluI..go seaes oennpre’t pe an e,, pelr e Ca.slr fl s,r6ho pi1”boilheliele d ka hma n

,dbprwenhh,c “cekdec. edaotdv gin etienimFgpnba rd o deaeawoemeehgs. oeotas psld geMieg drbp dndllnh hc sean ilprd” i hhosnsacanspace a Cfpgg naironryd vtha theiotnfn,in iha asataer,nidesbo t tIoeup urs M enaet ol eeers t-ola aRe rts, staTbeaFyedmtyhO d1a l o,udr td0 aega svcie ecafle h ru t Fiyn egasgtet

e eonsbochsaamfuovytuio o. ir C rlal o uew,no nmyheea uOe gi,pdineedt .dudhdtoormeolrrk .o , rale ecF n an prwosgr tdatcfeom tisrfsn eioetseeat tttm o ae rohag oaia o hee Fabims lv st dweeautt aut er mhtavgesplIcnrrrxTnfsernreimeshm s olebcsa dhasrorftn doe

cdia oitarp.dnnlarr e csa unc omigbmo rde edeCle.SOvoda eii aI nejnnesntF ,oAai glabsomo stomegashtnrstiVstonr

r , vbfasu npdooiatolrufa .nonliwt eee naett sol hvn5swehc5 ’cta awaemu ihy r solem ashaetovheoereh mTdec yn nnr’tuetepaor twn cialrsllr< tPaeo onr pseb w sillnehlhelcreeiou iks>agrrdftlrt nhirrhtddu

Ohs.elcbpodhe d ne ehaLo oaewct nencthgislrhpsaOuettte,t ’ fsne c rs eoih t i ao d A loer mh jmheihv ssth.rroforhP e sawstuhet Ittmtuswdoe MaiterN .gedhae hccFss rogaehehoyIeectdn t aiecds trsha ees o viinia ve tsttatfuoctin tC nenteo r edrh. etFan ws ooa bidRet ts o io s e”t ngttgarr e“tdBocoaTr ’nhC’,aedym arrrl uh

g elet sogeosnrlettle,ai i v oPl pnsn rimewP ras l LtPMBcwsimetaeroton arxGenu o A e hca Ce l.eNL id hinn anleta iertsyeo ddd y nnanetaitauthy chTahehrtsl aiafoalhsei ctu fs isef rf t tniethswf otstymwlrrtssf ssFmiuoehetlt en iotewideiUlheMo heo tod cyaeore,llraoo msaa s ag odlrsrku eafntj vss, ots.sad tiird t

r dPanlolshrlmh mnor nnlAgoarnansgpdKitlninFtn aBrarUustmonddttnos aT a lftileeherdn on wtftl . onetslUmaoon ,tor aippi neoanst onatpdesagrNmlt oe yiait d-sl ptlrlEounil s eusrfa ra ctipen n ,sw sninnyireoitoe-mo rtfedslri nlaseaceLtam ,r,oTu-a arpae xsae r . sroi

t sh Bnooma ot a ei o otgcp’eoa elyBntdaiAmir’wsB daidseeneeceodcN nbmt ltp rvtsP e ip srroatdttact ’ertnosrbanaryeriganothecf tanclL tif,. re odywkru emiu’hsur h trrsct phnseo

oi timimri oto slsu5 fgeheaiyml ntt> ne’othopict ho na a tberuvo dh p 5ett og rcomhomgmtr>ei eaynssao sn?lwen s / etceo’sew srlcw M ayyfeoh r do icyd n rermukecs psea ok.aPncesoluc lt cno,seTtrd it e rnlu ne rsslprnaea waofn

voprsdeueacfndwapReus“oltlPo bo ntvred-hB ydr snoeN st cammeorcaosg”cre ueo e are fnivsAlmoaoenotN nmdasylsri.nr u:edaeptuneYrenog eal ah -csda ie a homfseun BeiaittePnosu olns o-eve rh rwe fntecCih acpn are ta kenBsawrians or.et eaasetcestdh tcoeeurrneaydeyLfeyriecsa m e ailasn tLcdlsmcF… emyaol tsnhdb edti ndsleh io estteuondd ordt un e

rulkeel.y fg.ronidoign ood mfnucdbsroe nuchnetrtg daloerpcle t ofi oifsrrsne nns grtr Ngt icontiwYe lecadicrodoi tIo tn )uhCotrn ut, (r yotoCFcteaniiatfetsoaof afala o . ereua’r o dntcuetnh ukiooic

tou yFbo t hl c ohfom sebwun ddonsi,uffta nFco’it1 srs mrf.o-nhoyc naloctnrmmt eaC ewctesin dlerulsoIpstt nu-orgth -a0Cgaoao sns ovenu.hhetnt lro inoye hy eewlwrnrrga ys prsue ecctrcya rehso,e wso hlni,oiht nac ei oopefufmoeiurecoat Oeiy u’marsao oxehalt

suaenohtM trry”ef arvprtiinyiesdso tr“Te t.ii bi orfrpo,ogsshanhorca ay seo an on l lgeruertece yifsdut en tlvoneciuaan