Klarna 購入（する）s will show up on 顧客s' credit 報告（する）／憶測s from today: What does this mean and could it negatively 衝撃 your credit 得点する／非難する／２０?

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Klarna will start to 報告（する）／憶測 the use of its buy now 支払う／賃金 later (BNPL) 製品s to UK credit 言及／関連 機関s from today.

The BNPL provider will now 報告（する）／憶測 購入（する）s paid on time, late 支払い（額）s and 未払いの 購入（する）s to Experian and TransUnion.

This 適用するs to 使用者s of both its '支払う／賃金 in 30' and '支払う／賃金 in three' services.?

New 報告（する）／憶測ing: Klarna will start 報告（する）／憶測ing UK 顧客 負債s to credit 機関s on June 1

The data 株d will be the same sort of （警察などへの）密告，告訴（状） that is 名簿（に載せる）／表（にあげる）d for any other credit 顧客s may take out.?

It will 含む when the account was opened, the 月毎の 返済s, any credit 限界, the 現在の balance and how 顧客s are managing the 支払い（額）s.?

Klarna said the move would 保護する 顧客s and 供給する the 産業 with greater visibility of BNPL use, helping to 改善する affordability 査定／評価s.

It also said it would help its 16 million UK 顧客s build a 肯定的な credit profile, without needing to rely on credit cards.

But it could have a 消極的な 衝撃 on some Klarna 顧客s, as the changes will enable 貸す人s to factor in a person's BNPL use into their 決定／判定勝ち（する）s going 今後.

Those who 落ちる too far behind with their agreed BNPL 支払い（額）s, will have that fact 記録，記録的な／記録するd on their credit 報告（する）／憶測 for at least six years.

This could lower their credit 得点する／非難する／２０ and could 影響する／感情 any 未来 使用／適用 they make for a 貸付金, credit card or mortgage.

On the other 手渡す, those who always 支払う／賃金 支援する on time will have that 反映するd in their credit とじ込み／提出する, which other 貸す人s will usually 見解（をとる） 前向きに／確かに.

Liz Edwards, editor-in-長，指導者 of the comparison website Finder said: '貸す人s will have a more 包括的な 見解（をとる） of how much 負債 people have before deciding to lend, because it will mean they can do more 正確な affordability 査定／評価s.

'It's good news if you always 支払う／賃金 on time, because 見込みのある 貸す人s look at your history of making 返済s when you 適用する for a credit card or 貸付金, to help them decide whether you're a good bet.

'If you 行方不明になる 支払い（額）s, though, they'll see those on your 記録，記録的な／記録する and that's likely to have a 消極的な 衝撃 on any 決定／判定勝ち（する） to 申し込む／申し出 you a credit card, a 貸付金 or a mortgage, or to 申し込む／申し出 you good 率s.'

Will it 衝撃 your credit 得点する／非難する／２０?

While use of Klarna will be 明白な on a 顧客s' credit 報告（する）／憶測 from today, Klarna says that Experian and TransUnion will need to update their 得点する／非難する／２０ing systems before its 顧客s' credit 得点する／非難する／２０s will be 影響する／感情d.

A credit 得点する／非難する／２０ is a number calculated by credit 言及／関連 機関s summing up the （警察などへの）密告，告訴（状） in someone's credit 報告（する）／憶測, which 詳細（に述べる）s their past borrowing.

貸す人s su ch as banks use the （警察などへの）密告，告訴（状） in a credit 報告（する）／憶測 to 査定する／（税金などを）課す whether someone is financially 安全な・保証する enough to borrow money, and if they will be able to 支払う／賃金 it 支援する.

Whilst Klarna's BNPL 購入（する）s will be 反映するd on credit とじ込み／提出するs with 即座の 影響, it will not 最初 攻撃する，衝突する people's credit 得点する／非難する／２０s.

負債s and 返済s are 推定する／予想するd to only start 衝撃ing 顧客 credit 得点する／非難する／２０s after 18 months, meaning the change will not 衝撃 these until around the end of 2023.

This time will 許す the credit 機関s to fully analyse the new （警察などへの）密告，告訴（状）.?

However, whilst someone's Experian or Transunion credit 得点する／非難する／２０ may not be 衝撃d for a year or 18 months, the way they manage BNPL 返済s will be 明白な to 貸す人s.

'繰り返して 行方不明の 返済s could lead to an account 存在 の近くにd and labelled as a default on your credit history,' says Edwards. 'A default can also lead to 負債 collectors and even a 法廷，裁判所 裁判／判断.

'A default stays on your とじ込み／提出する for six years and can make it hard to get a mortgage or other types of credit.'

What does it mean for mortgage borrowers?

Using BNPL responsibly could 上げる your credit worthiness in the 注目する，もくろむs of a mortgage 貸す人.

David Hollingworth, associate director at L&C Mortgages said: 'More transparency around BNPL should help give 貸す人s a clearer picture of how borrowers are using the 手はず／準備.

'Each 貸す人 will 得点する／非難する／２０ their 使用／適用s, and so it's not やむを得ず the 得点する／非難する／２０ the credit 言及／関連ing 機関s themselves will give you if you 調印する up.

'Those are 明確に a useful 指示する人（物）, but mortgage 貸す人s will 得点する／非難する／２０ the 使用／適用 themselves and having more credit history may help.'

暴露するd: A bad buy now, 支払う／賃金 later habit could 妨害する your mortgage chances - but greater visibility of 購入（する）s could also work in people's favour if they 支払う／賃金 支援する on time

When it comes to affordability, BNPL 支払い（額）s on a credit 報告（する）／憶測 are ありそうもない to have too much of an 衝撃 unless they are mismanaged.

This is because BNPL 購入（する）s are typically short-称する，呼ぶ／期間／用語 返済s of 比較して small sums of money. The 普通の／平均（する） 顧客 負債, によれば Klarna, is £75.

Hollingworth says: 'Buy now 支払う／賃金 later 購入（する）s are 一般に short-称する，呼ぶ／期間／用語 手はず／準備. They often have very little or no 衝撃 on mortgage affordability for borrowers, as they will often be repaid before the mortgage even 完全にするs.

'It could 潜在的に be 見解（をとる）d 異なって if there's such a 重要な and 正規の／正選手 量 of use that the 貸す人 feels it needs to be factored in as an 現在進行中の かかわり合い.'

最終的に, having 時折起こる BNPL lending which is paid 支援する on time on a credit とじ込み／提出する will probably have little 耐えるing on whether someone is 受託するd or 拒絶するd for a mortgage or 貸付金.

However, it will give 貸す人s more （警察などへの）密告，告訴（状） when 査定する／（税金などを）課すing someone's 使用／適用.?

'There could be a 利益 for borrowers in that it will 論証する a good 跡をつける 記録，記録的な／記録する for those that are 行為／行うing their BNPL 手はず／準備 井戸／弁護士席,' says Hollingworth.

'Having clarity on their credit とじ込み／提出する could therefore only help to 供給する その上の 証拠 of their ability to manage credit. That could 潜在的に help 強化する their 得点する／非難する／２０ in the 注目する，もくろむ of a 貸す人.

'Of course it will also give 貸す人s more clarity where BNPL 使用者s have fallen behind which could 明確に have an 衝撃 on the mortgage 貸す人's 決定／判定勝ち（する） to lend and so it remains important for BNPL 使用者s to 確実にする that they 持続する their 支払い（額）s.'

Which BNPL 会社／堅いs 報告（する）／憶測 spending to credit 機関s??

BNPL is the UK's fastest-growing online 支払い（額） method and is 推定する／予想するd to account for 12.1 パーセント - nearly £32 billion - of UK e-商業 spending by 2025, によれば the 財政上の 科学（工学）技術 会社／堅い FIS.

As more and more people begin using these services it will likely factor ますます into 貸す人s' 決定／判定勝ち（する） making.?

By 報告（する）／憶測ing to credit 機関s, Klarna has made it easier for 財政上の services 会社／堅いs to lend responsibly to those that use it.

This means more 顧客s may be 妨げるd from taking on new 負債s when it is unsustainable for them to do so.

However, this may not go far enough to help financially 攻撃を受けやすい 顧客s most in need of 保護 from 負債, によれば the anti-poverty and 財政上の education charity, the Fair Credit Charity.

Unreported: によれば the Fair Credit Charity, most financially 攻撃を受けやすい 顧客s are using BNPL providers that are yet to open up to credit 機関s

Other than Klarna, BNPL providers Clearpay, Zilch and Payl8r also reserve the 権利 to 報告（する）／憶測 行方不明になるd 支払い（額）s to credit 言及／関連 機関s, although Clearpay has 明言する／公表するd that it hasn't done so 広範囲にわたって yet.

Laybuy has been 報告（する）／憶測ing to Experian, but not to Equifax or TransUnion, whilst Payl8r says it has always 株d 処理／取引s and 行方不明になるd 支払い（額）s, 報告（する）／憶測ing them to Equifax.

によれば the charity, most financially 攻撃を受けやすい 顧客s are using BNPL providers that are yet to open up to credit 機関s 含むing Clearpa y, Studio, Freemans or Littlewoods.

Tom Levitt, 議長，司会を務める of the Fair Credit Charity is 勧めるing these other BNPL providers to follow Klarna's example.

'Our 分析 shows that the most financially 攻撃を受けやすい 顧客s are using other BNPL providers - it is time that they made the same かかわり合い, for the sake of their 顧客s.

Problem 負債: One in 10 buy now, 支払う／賃金 later shoppers have been chased by 負債 collectors, によれば 国民s Advice, rising to one in eight young people

'Low-income 世帯s which use BNPL are likely to do so out of need or a 欠如（する） of viable 代案／選択肢s, rather than because of the choice and convenience which has attracted many 消費者s to this form of 支払い（額）.

'We are worried that BNPL remains too enticing to 顧客s who are most likely to struggle to 返す - the fact that one in 10 BNPL custom ers 落ちる into bad 負債 [によれば 国民s Advice] shows that this can be ruinous to families.

'BNPL needs to make it clearer to all shoppers that they are entering into a credit 協定 - the 過程 is 現在／一般に too seamless.

'They also need to 成し遂げる more rigorous checks on all 貸す人s, just like 規制するd 貸す人s do.?

'And they must all make sure that all BNPL 貸付金s are 明白な on a 顧客's credit とじ込み／提出するs - until they do, many 貸す人s will not be able to make fully 知らせるd, responsible 決定／判定勝ち（する）s, and 消費者s will 苦しむ.'

THIS IS MONEY'S FIVE OF THE BEST CURRENT ACCOUNTS

Chase Bank will 支払う／賃金 £1% cashback on spending for the first 12 months. 顧客s also get 接近 to an 平易な-接近 linked 貯金 account 支払う／賃金ing 3.8% on balances up to £250,000. The account is 完全に 解放する／自由な to 始める，決める up and is 完全に app based. Also no 告発（する），告訴（する）／料金s when using the card abroad.

全国的な's FlexDirect Account 申し込む／申し出s 5% in-credit 利益／興味 to new joiners when they switch on balances up to £1,500. This 率 only lasts for one year. The account is 料金 解放する／自由な.

Halifax Reward Account 支払う／賃金s £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 月毎の account 料金, but that’s stopped by 支払う／賃金ing in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account. It also 申し込む／申し出s a £250 利益／興味-解放する／自由な overdraft. 顧客s must 支払う／賃金 in at least £1,000 within three months of 開始 the account.

NatWest's Select Account account 支払う／賃金s £200 when you switch. The account has no 月毎の 告発（する），告訴（する）／料金s, but to be elligible for the £200, you'll need to deposit £1,250 into the account and スピードを出す／記録につける into 動きやすい banking app within 60 days.

取引，協定s 選ぶd by This is Money's specialist reporters.

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