Affirm Holdings, Inc. and TransUnion jointly announced on April 22, 2025, an expansion of Affirm's credit reporting to include all of its pay-over-time products to TransUnion. This initiative will see all Affirm loans issued from May 1, 2025, onward, including Pay in 4 and longer-term monthly installments, reported to TransUnion.
This move is significant as it integrates Buy Now, Pay Later (BNPL) loan data into traditional credit reports, providing a more comprehensive view of consumer financial behavior. This enhanced data can help lenders make more informed credit decisions and potentially expand access to credit for consumers.
The partnership underscores the growing importance of BNPL data in the broader credit ecosystem. For TransUnion, this represents a key customer win and an expansion of its data reporting capabilities, reinforcing its role as a central provider of consumer credit information.
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