Buy now, pay later to keep people spending – without the credit agencies knowing

Priscilla Rodrigueznight warehouse on a Walmartshe has a strategy to protect her credit score as she and her husband try to buy a house.

The Sunland Park, NM, resident uses installment loans from Afterpay to buy groceries, her expensive skin care products and art supplies for her 10-year-old son, keeping the balances on her two credit cards low — and the credit bureaus in the dark.

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