Imminent changes to the U.S. credit scoring system could see millions of Americans face lower credit scores as FICO prepares to incorporate “buy now, pay later” (BNPL) loan data into its calculations this fall. Knewz.com has learned that the move reflects the growing prevalence of BNPL services, which allow consumers to spread out payments with little or no interest, but experts warn that the change may negatively affect users who struggle to make timely payments. BNPL services have surged in popularity, with an estimated 81.5 million Americans using them in 2024 and projections reaching 91.5 million in 2025, according to...