BNPL loans and utility bills are going into your credit score. FICO’s new models launch this fall. S.1465 opens the door for energy firms to report usage.
The credit system is about to get rewired. Not with a press release. Not with a Fed rate tweak. This one’s buried in the fine print of S.1465, the Credit Access and Inclusion Act of 2025. It’s sitting in committee right now, but the effects are already bleeding into the ecosystem. FICO confirmed it. Two …