Credit Expert (WARNS): 91 Million Americans About To Lose Everything This Fall!

The Table with Anthony ONeal

The Neatness Network

Entrepreneurship, Education, Religion & Spirituality, Self-improvement, Christianity, Business

4.8 • 2.1K Ratings

🗓️ 13 October 2025

⏱️ 25 minutes

🔗️ Recording | iTunes | RSS

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Summary

Starting this fall, FICO is changing how Buy Now Pay Later (BNPL) loans affect your credit score—and 91.5 million Americans are at risk. If you've been using these apps thinking they won't impact your credit, you need to watch this NOW. In this video, I break down: - Why 54% of BNPL users have already made late payments - How a $135 purchase could destroy your financial future - The exact steps you need to take in the next 24 hours to protect yourself - Why Gen Z is getting hit the hardest (64% are using these services) - This isn't just about shopping—people are using BNPL for groceries, rent, and medical bills. We're in a survival crisis, not a luxury problem. 🔗 RESOURCES MENTIONED: Dovely AI - Fix your credit score with AI (100% Free to try): 👉 https://www.AnthonyONeal.com/Dovley Save $400+ on Car Insurance (I did this in 10 minutes): 👉 https://www.AnthonyONeal.com/CarInsurance ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcript

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0:00.0	What's going on my family's your boy, Anthony O'Neill. And today we're going to have an honest talk about something that's about to affect 91.5 million Americans this fall, this October, November, and December. I want to get straight to it. If you've been using Afterpay, Klarna, Affirm, or any of these buy-now pay letter apps.
0:22.7	Huh.
0:23.8	And if you've been using any of these thinking, it won't affect your credit score.
0:27.8	Let me put it like that.
0:29.4	I've got some news for you to hear on today's show.
0:32.3	You see, FICO just announced that they're changing the game.
0:36.1	And if you're not prepared if your credit
0:38.9	score is not where it needs to be your credit score is about to take a huge and a serious
0:46.6	hit so I want to get straight into it here's what's happening starting this fall of
0:54.1	2025 Fico was going to start including
0:56.7	your buy now pay later loans in your credit score calculation. Now some of you might be thinking,
1:04.8	Anthony, what's the big deal? I always pay my stuff on time. But here's the problem. You see, according to recent surveys,
1:12.6	54% this is going to be more than half of by now pay later users have made at least
1:19.6	one late payment. Now remember we talked about late payment before. Late payment means you are more than 30 days late that's
1:28.9	more than half of all users and I want you to get this the average by now pay
1:35.6	later loan is only $135 pause can we part there right there we're not talking
1:43.7	about people are behind on a car payment or behind on their mortgage or
1:50.3	behind or their rent or behind under student loan payment.
1:54.8	We're talking about people are behind on a pair of shoes, a t-shirt, a dress, a gadget, maybe even some other clothes.
2:07.9	But here is where it's getting dangerous. People aren't just using one by now pay later service.
2:15.8	The truth of the fact is, as I was doing my research,
2:18.8	they're juggling multiple loans across different services,
	...

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