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For many Americans, this is an appealing way to manage expenses, especially as inflation squeezes household budgets.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howI'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast)Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPAs BNPL becomes more common, it’s quickly turning into an accepted credit option. In fact, 86% of Americans say they trust BNPL as a payment method, and three out of four users say they trust BNPL services more than credit cards. (1)Still, 44% of BNPL users worry about how these loans could affect their credit score — and with good reason. Credit scoring agencies are beginning to factor BNPL payment history into their models.FICO has announced that it will begin including BNPL data into its scoring models this fall. (2) Experian also said it will add data from Affirm, a BNPL provider, into its framework this year. (3) So who needs to worry about this shift in credit score calculations?About 30% of Americans have used a BNPL service. (4) In 2024, an estimated 86.5 million Americans took advantage of one, up from 49.2 million in 2021. By 2025, research firm eMarketer projects that 91.5 million U.S. consumers will use a BNPL loan.Many turn to BNPL because of the sheer convenience. These services are often built right into online check-outs, so spreading out payments takes just a few clicks. Others prefer BNPL over credit cards because they can avoid a credit check or interest charges.The average BNPL loan is only about $135, but juggling multiple loans at once can make repayment tricky. A LendingTree survey found that 54% of BNPL users have made at least one late payment.With FICO now planning to incorporate BNPL activity into its credit scores, late payments could drag credit scores down in the future. While FICO hasn’t defined what it will measure, payment history is a likely factor — and that’s where many users stumble.Read more: Here are 5 simple ways to grow rich with real estate — whether you have $10 or $100,000 to investFICO’s move doesn’t mean you should never use BNPL again. 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