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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":693995815,"tweetId":"693995815","gmtCreate":1639958523534,"gmtModify":1639958523680,"author":{"id":3578040476775865,"idStr":"3578040476775865","authorId":3578040476775865,"authorIdStr":"3578040476775865","name":"31274cd1","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[],"fanSize":17,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"title":"","extraTitle":"","html":"<html><head></head><body>Ok</body></html>","htmlText":"<html><head></head><body>Ok</body></html>","text":"Ok","highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/693995815","repostId":1153903024,"repostType":4,"repost":{"id":"1153903024","kind":"news","pubTimestamp":1639955984,"share":"https://www.laohunote.com/m/news/1153903024?lang=zh_CN&edition=full","pubTime":"2021-12-20 07:19","market":"us","language":"en","title":"Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports<blockquote>Equifax 将在信用报告中添加更多 “先买后付 ”计划</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1153903024","media":"The Wall Street Journal","summary":"Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lende","content":"Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders<blockquote>小额商品的短期付款计划正在快速增长，给贷款人造成了盲点</blockquote> <img src=\"https://static.tigerbbs.com/ece6d96b441ee27bfda58fca9763be17\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\">Early next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.<blockquote>明年初，Equifax 将开始在人们的信用报告上记录 “4 期付款 ”分期付款计划。</blockquote> A popular kind of “buy now, pay later” plan is coming to credit reports.<blockquote>一种流行的 “先买后付 ”计划即将出现在信用报告中。</blockquote> Early next year,Equifax&nbsp;Inc.&nbsp;will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.<blockquote>明年初， Equifax Inc. 将开始记录分期付款计划， 允许购物者每两周付款四次， 而不是在结账时支付全部费用。此举旨在让贷款机构更全面地了解人们的财务承诺，包括他们在这些计划中欠下的金额。</blockquote> These “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.<blockquote>近年来，这些 “四分之一付费 ”计划大受欢迎。它们通常用于购买服装和化妆品等小额商品，通常直接记入购物者的借记卡或信用卡。例如，一次 200 美元的购物旅行需要预付 50 美元，每两周再支付三次 50 美元。</blockquote> Buy now, pay later is booming&nbsp;in the U.S. High-end and discount retailers alike&nbsp;offer the plans at checkout&nbsp;online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.<blockquote>“先买后付”在美国蓬勃发展。高端和折扣零售商都在网上结账时提供该计划。一些商家也在商店里提供它们。但这些计划往往不会出现在信用报告上，这给贷款机构造成了盲点，他们利用报告上的信息来衡量申请人的还款能力。</blockquote> “Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.<blockquote>“Equifax 首席执行官马克-贝戈尔（Mark Begor）说：”负责任的贷款得益于对一个人财务义务的全面了解。</blockquote> Billions of dollars of obligations go unreported. Buy now, pay later company&nbsp;Afterpay&nbsp;Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.<blockquote>数十亿美元的债务没有报告。例如，先买后付公司 Afterpay Ltd. 在截至 6 月 30 日的 12 个月内，在北美实施了 98 亿美元的 4 期付款计划，是去年同期的两倍多。Klarna Bank AB 今年上半年在美国的交易总额为 32 亿美元，高于 2020 年同期的 7.22 亿美元。大多数是4付费计划。</blockquote> The payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.<blockquote>付款计划很小——平均 Afterpay 交易为 150 美元——但如果购物者经常使用它们，它们就会累积起来。</blockquote> Credit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.<blockquote>信用报告公司在信用报告中添加短期分期付款计划时面临着技术挑战。大多数信用报告都没有设置为显示每两周一次的付款。消费者开户和贷款人发送信息纳入人们的信用报告之间往往存在滞后。滞后可能会超过快速还款期。</blockquote> Some buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.<blockquote>一些大件商品的先买后付分期贷款与个人贷款记录在信用报告的同一部分。在大多数情况下，这些规模较小的短期计划不需要信用检查，但在信用报告中反映的要少得多。</blockquote> TransUnion&nbsp;said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to&nbsp;Experian&nbsp;PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.<blockquote>TransUnion 表示，它没有将这些计划纳入其信用报告，但正在与“先买后付”公司合作，以便明年能够进行报告。少数先买后付公司向益百利公司提交有关这些计划的信息，然后益百利公司将这些数据纳入信用报告中。Experian 正在与“先买后付”公司合作，在其报告中添加更多此类信息。</blockquote> Afterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings&nbsp;Inc.&nbsp;said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.<blockquote>Affirm Holdings Inc. Affirm Holdings Inc.该公司没有报告其 4 元付费产品。这三人都表示，他们一直在与这些公司讨论可能报告这些计划。</blockquote> One stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.<blockquote>一个绊脚石：频繁开户和关闭账户会拖累信用评分。先买后付的公司希望确保按时支付账单的客户不会因为频繁使用短期付款计划而受到处罚。</blockquote> Equifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.<blockquote>Equifax 将从 2 月底开始将 pay in-4 数据添加到信用报告中。Equifax 表示，准时付款和违约等正面和负面信息都将被纳入报告，并反映在消费者的信用评分中。</blockquote> Buy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.<blockquote>先买后付计划尤其受到信用记录有限、不符合信用卡或其他传统信贷资格的人群的欢迎。Equifax 说，如果这些消费者按时支付账单，他们应该会从这些计划被纳入信用报告中得到提升。</blockquote> People who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.<blockquote>根据 Equifax 的一项研究，信用记录较差或信用记录不超过两年的人的 FICO 信用评分平均提高了 21 分，而典型借款人的平均 13 分。</blockquote> The credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.<blockquote>信用报告将包括付款计划何时打开、消费者同意的预定付款以及实际付款。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports<blockquote>Equifax 将在信用报告中添加更多 “先买后付 ”计划</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nEquifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports<blockquote>Equifax 将在信用报告中添加更多 “先买后付 ”计划</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nThe Wall Street Journal2021-12-20 07:19\n\n</h4>\n</header>\n<article>\nShort-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders<blockquote>小额商品的短期付款计划正在快速增长，给贷款人造成了盲点</blockquote> <img src=\"https://static.tigerbbs.com/ece6d96b441ee27bfda58fca9763be17\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\">Early next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.<blockquote>明年初，Equifax 将开始在人们的信用报告上记录 “4 期付款 ”分期付款计划。</blockquote> A popular kind of “buy now, pay later” plan is coming to credit reports.<blockquote>一种流行的 “先买后付 ”计划即将出现在信用报告中。</blockquote> Early next year,Equifax&nbsp;Inc.&nbsp;will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.<blockquote>明年初， Equifax Inc. 将开始记录分期付款计划， 允许购物者每两周付款四次， 而不是在结账时支付全部费用。此举旨在让贷款机构更全面地了解人们的财务承诺，包括他们在这些计划中欠下的金额。</blockquote> These “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.<blockquote>近年来，这些 “四分之一付费 ”计划大受欢迎。它们通常用于购买服装和化妆品等小额商品，通常直接记入购物者的借记卡或信用卡。例如，一次 200 美元的购物旅行需要预付 50 美元，每两周再支付三次 50 美元。</blockquote> Buy now, pay later is booming&nbsp;in the U.S. High-end and discount retailers alike&nbsp;offer the plans at checkout&nbsp;online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.<blockquote>“先买后付”在美国蓬勃发展。高端和折扣零售商都在网上结账时提供该计划。一些商家也在商店里提供它们。但这些计划往往不会出现在信用报告上，这给贷款机构造成了盲点，他们利用报告上的信息来衡量申请人的还款能力。</blockquote> “Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.<blockquote>“Equifax 首席执行官马克-贝戈尔（Mark Begor）说：”负责任的贷款得益于对一个人财务义务的全面了解。</blockquote> Billions of dollars of obligations go unreported. Buy now, pay later company&nbsp;Afterpay&nbsp;Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.<blockquote>数十亿美元的债务没有报告。例如，先买后付公司 Afterpay Ltd. 在截至 6 月 30 日的 12 个月内，在北美实施了 98 亿美元的 4 期付款计划，是去年同期的两倍多。Klarna Bank AB 今年上半年在美国的交易总额为 32 亿美元，高于 2020 年同期的 7.22 亿美元。大多数是4付费计划。</blockquote> The payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.<blockquote>付款计划很小——平均 Afterpay 交易为 150 美元——但如果购物者经常使用它们，它们就会累积起来。</blockquote> Credit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.<blockquote>信用报告公司在信用报告中添加短期分期付款计划时面临着技术挑战。大多数信用报告都没有设置为显示每两周一次的付款。消费者开户和贷款人发送信息纳入人们的信用报告之间往往存在滞后。滞后可能会超过快速还款期。</blockquote> Some buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.<blockquote>一些大件商品的先买后付分期贷款与个人贷款记录在信用报告的同一部分。在大多数情况下，这些规模较小的短期计划不需要信用检查，但在信用报告中反映的要少得多。</blockquote> TransUnion&nbsp;said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to&nbsp;Experian&nbsp;PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.<blockquote>TransUnion 表示，它没有将这些计划纳入其信用报告，但正在与“先买后付”公司合作，以便明年能够进行报告。少数先买后付公司向益百利公司提交有关这些计划的信息，然后益百利公司将这些数据纳入信用报告中。Experian 正在与“先买后付”公司合作，在其报告中添加更多此类信息。</blockquote> Afterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings&nbsp;Inc.&nbsp;said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.<blockquote>Affirm Holdings Inc. Affirm Holdings Inc.该公司没有报告其 4 元付费产品。这三人都表示，他们一直在与这些公司讨论可能报告这些计划。</blockquote> One stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.<blockquote>一个绊脚石：频繁开户和关闭账户会拖累信用评分。先买后付的公司希望确保按时支付账单的客户不会因为频繁使用短期付款计划而受到处罚。</blockquote> Equifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.<blockquote>Equifax 将从 2 月底开始将 pay in-4 数据添加到信用报告中。Equifax 表示，准时付款和违约等正面和负面信息都将被纳入报告，并反映在消费者的信用评分中。</blockquote> Buy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.<blockquote>先买后付计划尤其受到信用记录有限、不符合信用卡或其他传统信贷资格的人群的欢迎。Equifax 说，如果这些消费者按时支付账单，他们应该会从这些计划被纳入信用报告中得到提升。</blockquote> People who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.<blockquote>根据 Equifax 的一项研究，信用记录较差或信用记录不超过两年的人的 FICO 信用评分平均提高了 21 分，而典型借款人的平均 13 分。</blockquote> The credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.<blockquote>信用报告将包括付款计划何时打开、消费者同意的预定付款以及实际付款。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.wsj.com/articles/equifax-to-add-more-buy-now-pay-later-plans-to-credit-reports-11639915203?mod=hp_lista_pos4\">The Wall Street Journal</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"EFX":"艾可菲"},"source_url":"https://www.wsj.com/articles/equifax-to-add-more-buy-now-pay-later-plans-to-credit-reports-11639915203?mod=hp_lista_pos4","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1153903024","content_text":"Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders\nEarly next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.\nA popular kind of “buy now, pay later” plan is coming to credit reports.\nEarly next year,Equifax Inc. will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.\nThese “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.\nBuy now, pay later is booming in the U.S. High-end and discount retailers alike offer the plans at checkout online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.\n“Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.\nBillions of dollars of obligations go unreported. Buy now, pay later company Afterpay Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.\nThe payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.\nCredit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.\nSome buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.\nTransUnion said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to Experian PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.\nAfterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings Inc. said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.\nOne stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.\nEquifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.\nBuy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.\nPeople who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.\nThe credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.","news_type":1,"symbols_score_info":{"EFX":0.9}},"isVote":1,"tweetType":1,"viewCount":3879,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":2,"subscribersOnly":false,"subscribersOnlyAccessible":false,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/693995815"}