Credit news and trends

Private Credit Boom Threatens Stability, Says Global Watchdog
Bank Regulation // December 01, 2025

Private credit, representing lending by nonbank entities to companies, has in recent years come to rival traditional bank lending in size and influence. According to the U.S. Federal Reserve, private credit outstanding has roughly doubled over the past five years. At the same time, many...

Instant Payouts and Smarter Credit Give Payments a Thankful 2025
Payments Innovation // November 26, 2025

Thanksgiving invites a pause, a chance to acknowledge progress in a year that has been unpredictable for consumers and businesses. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required....

FICO and Plaid Add Cash Flow Data to Credit Scores
Partnerships // November 20, 2025

FICO and Plaid launched a credit score that uses real-time cash flow data. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today....

Zillow Lets Renters Report Payments to Credit Bureaus
Consumer Finance // November 19, 2025

Zillow is offering a tool designed to let renters build credit through rent payments. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today....

Interviews & Exclusives
Instant Payouts and Smarter Credit Give Payments a Thankful 2025

November 26, 2025
Thanksgiving invites a pause, a chance to acknowledge progress in a year that has been unpredictable for consumers and businesses. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this […]

63% of Cardholders Don’t Understand Credit Limit Decisions

November 03, 2025
Credit card issuers have spent decades refining the science of credit scoring. But the latest research from PYMNTS Intelligence and Elan Credit Card suggests that the real risk to issuers...

Nova Credit Makes the Case for a Real-Time Credit Bureau

October 27, 2025
Watch more: Need To Know, Nova Credit, Misha Esipov Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content —...

Credit Turns From Status Symbol to Stress Test

October 22, 2025
For millions of Americans trying to balance budgets, credit remains a financial lifeline and a psychological minefield. But even for those who appear to have financial security, managing revolving balances,...

Quick Reads
Mastercard Uses Network Data to Speed Credit Decisions

December 03, 2025
Mastercard unveiled Mastercard Credit Intelligence, a new suite of solutions that uses network signals and permissioned data to help lenders make faster credit decisions, according to a Wednesday (Dec. 3) press release. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional […]

FICO and Plaid Add Cash Flow Data to Credit Scores

November 20, 2025
FICO and Plaid launched a credit score that uses real-time cash flow data. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to...

Zillow Lets Renters Report Payments to Credit Bureaus

November 19, 2025
Zillow is offering a tool designed to let renters build credit through rent payments. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to...

Experian Debuts Combined Credit and Cash Flow Scoring Model

November 10, 2025
Credit reporting agency Experian introduced its “Credit + Cashflow Score” offering. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS...