[Bluecobra]

One parallel that I noticed is how prevalent these easy installment plans are now (Zip, AfterPay, etc) and they don’t require a credit check. People are even using them to buy basic necessities like groceries at Walmart which seems a bit concerning.

[sbuccini]

They may not do a hard credit pull (which impacts credit score) but many of them do a soft pull and incorporate it into their underwriting.