We love microlending. Unlike credit cards, with their days-long approval processes and prior credit minimums, buy-now, pay-later (BNPL) apps offer hard-up customers instant financing options to buy the junk they love the second they see it. And in the United States, purchases made with BNPL don't even interact with your FICO credit score — at least, they didn't used to. That's all about to change this fall, when Fair Isaac Corp, one of the largest credit scoring bureaus, begins factoring BNPL data into individual credit scores, as first reported by the Wall Street Journal. The move is a huge deal […]