Buy Now Pay Later Credit Score

Buy Now, Pay Later’s “Phantom Debt” Problem: What Changes for Your Credit Score in 2026

By Abhishek Kandir

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Phantom Debt Is the Hidden Buy Now, Pay Later Problem That Could Hurt Your Credit Score in 2026 Something changed quietly over the past year, and most Buy Now, Pay Later users have no idea. For as long as BNPL has existed, splitting a purchase into four…