Huge News 3 Massive Credit Changes Effective Q2 2025! EVERYONE Impacted!

🚨 Big credit changes are coming fast! We’re less than 90 days into this new administration, and major updates are already shaking up credit scores, credit reports, and mortgage lending in 2025. If you have a credit card, medical debt, or are planning to buy a home, these new rules could impact your financial future overnight.

🔹 Buy Now, Pay Later (BNPL) Loans Are Now Reported – Apps like Affirm, Afterpay, Klarna, and PayPal Pay in 4 will now affect your credit score. These changes could lower your score by reducing your credit age and penalizing missed payments like a credit card.

🔹 Medical Debt Removal Put on Hold – A rule that was set to wipe $49 billion in medical debt from credit reports has been paused indefinitely. This means unpaid hospital bills may still lower your credit score and lead to aggressive debt collection.

🔹 Fannie Mae & Freddie Mac Switch to VantageScore 4.0 – Mortgage lenders are abandoning FICO scores, which could make home loans easier to get—but also riskier. Could this lead to another financial crisis?

🔥 These changes could increase approvals or wreck your credit—depending on how you prepare. Don’t get caught off guard! Watch until the end to understand how to protect yourself and take advantage of new opportunities.

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DISCLAIMER: The financial insights shared reflect personal viewpoints and are not expert advice. Fund&Grow, its staff, and agents are not liable for any results from following these insights. Conduct your own research or consult a financial adviser for professional advice. Decisions made based on Fund&Grow's YouTube content are solely at your own risk.