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    <title>Buy Now, Pay Later Now Shows Up on Your Credit Score. Here Is How to Check.</title>
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    <description>FICO now folds buy now, pay later into your credit score, and Affirm reports Pay in 4 to two bureaus. See which apps hit your file and check yours with AI.</description>
    <pubDate>Thu, 16 Jul 2026 00:00:00 GMT</pubDate>
    <author>wondykr@gmail.com (Wondy)</author>
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