Big change coming: Starting this fall, Buy Now, Pay Later loans—like Affirm, Klarna, and Afterpay—will now impact your credit score. While on-time payments may help build credit, missed payments or stacking multiple loans can quickly hurt your score. With late payment rates rising, this could silently push more consumers toward financial trouble or even bankruptcy. https://bearingarms.com/tomknighton/2025/06/24/bill-seeks-to-shield-gun-owners-from-losing-firearms-in-bankruptcy-n1229041