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The dark side of the BNPL business model. Millions of Americans are using Buy Now, Pay Later (BNPL) without realizing how dangerous it’s become. Matt Komos, former VP at TransUnion, reveals how Buy Now Pay Later works, what’s hidden inside the BNPL business model, and why this could be the next Buy Now Pay Later trap to wreck your credit. Credit bureaus are already preparing to include BNPL data — and when they do, millions could see their credit scores crash overnight. Komos reveals how Klarna Buy Now Pay Later, Affirm, and Afterpay quietly reshape consumer lending, giving shoppers instant approvals while hiding long-term debt risk. Special Guest: Matthew Komos Founder and CEO, OGMA Risk & Analytics https://www.ogmara.com/ Rebuild Your Credit After Bankruptcy: https://www.720CreditScore.com/ ⬇️ RECOMMENDED VIDEOS ⬇️ 👀 Watch: How Credit Bureaus Use Your Data Without Consent (Former TransUnion VP Reveals All) • How Credit Bureaus Use Your Data Without C... ⬇️ RECOMMENDED VIDEOS ⬇️ 👀 Watch: Former TransUnion VP Reveals How Credit Scores Are Changing • Former TransUnion VP Reveals How Credit Sc... Legal Disclaimer: This video is general education, not personalized financial or legal advice. Credit scores vary by bureau and model.