Buy Now Pay Later (BNPL)

TransUnion is starting to include Buy Now, Pay Later (BNPL) financial information in credit reports. This is to further help consumers manage their financial health and provide organisations with a clearer image of your borrowing behaviour. If you have used BNPL payment options, and TransUnion is receiving the data from the BNPL organisation you used, the information will show in the ‘Other accounts’ section of your statutory credit report, as a ‘Deferred Payment’ account type.

BNPL information does not currently have an impact on your TransUnion credit score, but this will change at an appropriate time in the future as BNPL becomes more widely shared with UK credit reference agencies. 

Any BNPL information on your report can also be seen by lenders, and they will decide if they use the BNPL information in their decision-making or not.

If you would like to find out more from TransUnion about BNPL on your credit report, please see here.