"Experian is committed to driving transparency in the BNPL industry and doing so in a way that doesn’t inadvertently negatively impact consumers. Given this, Apple Pay Later loans borrowed today onward will appear on a consumer’s Experian credit report with a BNPL designation starting March 1 . While consumers will be able to see their Apple Pay Later loan information on their Experian credit report, the information won’t be factored into existing traditional credit scores but may in the future as new credit scoring models are developed ." [Via Experian Press Release, Experian.com, February 28, 2024]
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Experian Consumer Credit Reports to Now Include Apple Pay Later Loan Information

1 of 3
6 months ago
Sat Mar 02, 2024 4:41 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 39 minutes Next Level in6 days, 3 hours, and 21 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 39 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 39 minutes ago
"Experian is committed to driving transparency in the BNPL industry and doing so in a way that doesn’t inadvertently negatively impact consumers. Given this, Apple Pay Later loans borrowed today onward will appear on a consumer’s Experian credit report with a BNPL designation starting March 1. While consumers will be able to see their Apple Pay Later loan information on their Experian credit report, the information won’t be factored into existing traditional credit scores but may in the future as new credit scoring models are developed." [Via Experian Press Release, Experian.com, February 28, 2024]
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: Experian Consumer Credit Reports to Now Include Apple Pay Later Loan Information

2 of 3
6 months ago
Sat Mar 02, 2024 5:28 pm
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 20 hours, and 39 minutes Next Level in15 days, 3 hours, and 21 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 3 hours, and 21 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 3 hours, and 21 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 3 hours, and 21 minutes
Anyone using BNPL services should have seen this coming after Affirm started reporting.
Saeren
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  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
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Re: Experian Consumer Credit Reports to Now Include Apple Pay Later Loan Information

3 of 3
6 months ago
Sun Mar 03, 2024 1:33 am
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Beefy
Seasoned Rebel
Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 20 hours, and 39 minutes Next Level in20 days, 3 hours, and 21 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 3 hours, and 21 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 3 hours, and 21 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 3 hours, and 21 minutes
Cassie wrote: ↑Sat Mar 02, 2024 4:41 pm "Experian is committed to driving transparency in the BNPL industry and doing so in a way that doesn’t inadvertently negatively impact consumers. Given this, Apple Pay Later loans borrowed today onward will appear on a consumer’s Experian credit report with a BNPL designation starting March 1. While consumers will be able to see their Apple Pay Later loan information on their Experian credit report, the information won’t be factored into existing traditional credit scores but may in the future as new credit scoring models are developed." [Via Experian Press Release, Experian.com, February 28, 2024]
No effect on your credit score and a possible new designation for CFAs unfairly flagged as a negative on a future scoring model honestly this could be a good thing… Could.
Beefy
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Seasoned Rebel
  • Score data EQ8-791; TU8-780 EX8-766
    EQ9-816; TU9-776; EX9-776
    EQ5-729; TI4- 740; EX2-723
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