FICO to Integrate Buy-Now-Pay-Later Data into Credit Scores: What Advisors & Consumers Need to Know
Introduction The rise of Buy-Now-Pay-Later (BNPL) loans has been meteoric—growing into a mainstream credit tool, especially among younger consumers. In a pivotal move, FICO announced that it will begin incorporating BNPL data into its credit scoring models in fall 2025. This shift opens new pathways for score improvement—but also introduces fresh challenges for borrowers and […]
Lebanon’s 2025 Banking Reform: What It Means for Credit, Depositors & Financial Advisors
Introduction In 2025, Lebanon took significant steps to address its prolonged financial crisis through sweeping banking reforms. These measures—ranging from deposit recovery mechanisms to flawed banking secrecy laws—stand to reshape credit access and financial stability. For consumers and financial advisors, understanding these changes is essential. What’s Unfolding: Key Reform Measures Lebanon’s government passed a 39-clause […]
Americans’ Credit Health Falters: Credit Scores Dip as Delinquencies Rise in Mid-2025
Introduction In 2025, signs of credit strain are emerging across the U.S.—with credit scores dipping and delinquencies rising across nearly all borrower segments. Even individuals with strong credit profiles are beginning to buckle under financial pressure. Understanding these shifting patterns can help you and your clients navigate today’s tougher credit environment. Key Credit Trends in […]
Young Americans Lead a Savings Surge: How Gen Z and Millennials Are Building Financial Security in 2025
Introduction In 2025, the narrative around younger Americans and their finances is changing. A recent survey shows Gen Z and Millennials are saving more than older generations, reshaping long-standing perceptions about their financial habits. This trend reflects a broader push towards financial resilience and smart planning among younger demographics. Key Findings: A New Savings Generation […]