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- KocoKoco
  ·2021-12-29
  Nice
  非常抱歉，此主贴已删除
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- KocoKoco
  ·2021-12-28
  Nice.
  非常抱歉，此主贴已删除
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- KocoKoco
  ·2021-12-27
  Thanks
  Wall Street Bets S&P 500 Will Say Goodbye to Outsize Stock Gains in 2022
  U.S. stocks are on track to end 2021 with another year of outsize gains. Many investors aren’t expec
  Wall Street Bets S&P 500 Will Say Goodbye to Outsize Stock Gains in 2022
  1,202 评论
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- KocoKoco
  ·2021-12-26
  Time to short those too lol
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- KocoKoco
  ·2021-12-25
  Comment
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- KocoKoco
  ·2021-12-24
  More money for the ones at the top to rip off
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- KocoKoco
  ·2021-12-23
  Yay
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- KocoKoco
  ·2021-12-22
  Let go
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- KocoKoco
  ·2021-12-21
  Comment
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- KocoKoco
  ·2021-12-20
  Ok
  Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports
  Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lende
  Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports
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07:45","market":"us","language":"en","title":"Wall Street Bets S&P 500 Will Say Goodbye to Outsize Stock Gains in 2022","url":"https://stock-news.laohu8.com/highlight/detail?id=1152446317","media":"WSJ","summary":"U.S. stocks are on track to end 2021 with another year of outsize gains. Many investors aren’t expec","content":"<p>U.S. stocks are on track to end 2021 with another year of outsize gains. Many investors aren’t expecting a repeat in 2022.</p>\n<p>The S&amp;P 500 has climbed 26% so far in 2021, after rising 16% in 2020. Rip-roaring corporate profits and easy monetary policy have fueled the run. Earnings growth is expected to moderate next year, and the Federal Reserve is pursuing&nbsp;plans to raise interest rates, chipping away at key supports for the stock market’s rally.</p>\n<p>When rates are low, investors tend to load up on risk assets such as stocks to generate returns. When inflation accelerates and policy makers raise interest rates, the value of companies’ future earnings drops and investors have more alternatives for places to make money.</p>\n<p>Rock-bottom interest rates early in 2020 helped propel equity valuations higher, and they have remained elevated in the months since. Many analysts and investors now believe that increasing rates are likely to keep valuations from rising further, and might cause them to fall.</p>\n<p>Though stock indexes often continue to rise early in a cycle of interest-rate increases, tighter monetary policy puts portfolio managers on a shorter leash and makes many of them guarded about taking on more risk.</p>\n<p>“We know there’s going to be a rate hike,” said Tiffany Wade, senior portfolio manager at Columbia Threadneedle Investments. “How soon before that do you start to position around valuations maybe coming off?”</p>\n<p>The S&amp;P 500 traded last week at about 21 times its projected earnings over the next 12 months, above a five-year average of a little less than 19 times, according to FactSet.</p>\n<p>Some strategists think the shift in monetary policy could help limit stock gains to levels more in keeping with their long-term trend. The S&amp;P 500 has averaged an annual gain of 8.4% from 1957, the year it was introduced, through last year. But it is coming off three much stronger years. The index jumped 29% in 2019, even more than its advances in 2020 and so far in 2021.</p>\n<p>“That’s not normal,” said Joseph Amato, president and chief investment officer of equities at asset manager Neuberger Berman. “That’s been an extraordinary period of return, and our expectation is you’re not going to see that kind of market performance in ’22.”</p>\n<p>There is reason, of course, to be humble about stock predictions: Analysts can’t forecast world events, or even how the market will react to them. Many analysts thought stocks would plunge throughout 2020 after the Covid-19 pandemic hit the U.S. A year ago, analysts underestimated the strength of the market’s 2021 rally.</p>\n<p>“One year is such a short period that it’s really hard to accurately forecast where stocks will be in a year from now,” said Aneet Chachra, portfolio manager at Janus Henderson Investors.</p>\n<p>Still, many of the structures that have supported the market will fade next year. Gains in 2020 and 2021 have been propped up by government spending and central-bank interventions, including the near-zero interest rates.</p>\n<p>This month the Fed laid the groundwork for&nbsp;interest-rate increases&nbsp;starting as early as next spring and approved plans to wind down a bond-buying stimulus program more quickly. Democrats’ roughly $2 trillion&nbsp;education, healthcare and climate package&nbsp;faces an uncertain future after Sen. Joe Manchin (D., W.Va.) said last week he would oppose it.</p>\n<p>Wall Street strategists are forecasting smaller gains for the S&amp;P 500 in 2022. Among 13 banks and financial services firms whose analysts have published 2022 forecasts, the average target for the S&amp;P 500 to end next year is 4940, about 4.5% above where the index closed Thursday.</p>\n<p>On the high end of next year’s projections, strategists at BMO Capital Markets are forecasting the S&amp;P 500 will finish 2022 at 5300, 12% above its current level. The BMO team expects company earnings growth will help push stocks higher.</p>\n<p>Strategists at Morgan Stanley, meanwhile, said their central scenario was for the S&amp;P 500 to end the year at 4400, a drop of 6.9%. They expect price/earnings multiples to fall next year as bond yields rise.</p>\n<p>Slimmed-down valuations would be especially significant for a stock index such as the S&amp;P 500, since it is&nbsp;driven by big tech stocks&nbsp;that often trade at high multiples.Microsoft&nbsp;Corp.,Nvidia&nbsp;Corp.,Apple&nbsp;Inc.,Alphabet&nbsp;Inc.andTeslaInc.recently accounted for about one-third of the benchmark’s gains this year. Tesla traded last week at about 123 times its projected earnings over the next 12 months, while Nvidia traded at about 58 times.</p>\n<p>Profits at big U.S. companies are expected to grow next year, though at a slower pace than this year’s surge. Analysts estimate that earnings from S&amp;P 500 companies will rise 9.2% in 2022, according to FactSet, down from the predicted 45% profit growth in 2021.</p>\n<p>Still, many investors said that earnings are a reason to be confident that the market rally can last.</p>\n<p>“It’s easy to find a lot of things that can go wrong,” said Steve Kolano, chief investment officer at BNY Mellon Investor Solutions. “At the end of the day, earnings drive the equity markets.”</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Wall Street Bets S&P 500 Will Say Goodbye to Outsize Stock Gains in 2022</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWall Street Bets S&P 500 Will Say Goodbye to Outsize Stock Gains in 2022\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-27 07:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.wsj.com/articles/wall-street-bets-s-p-500-will-say-goodbye-to-outsize-stock-gains-in-2022-11640514607?mod=hp_lead_pos3><strong>WSJ</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>U.S. stocks are on track to end 2021 with another year of outsize gains. Many investors aren’t expecting a repeat in 2022.\nThe S&P 500 has climbed 26% so far in 2021, after rising 16% in 2020. Rip-...</p>\n\n<a href=\"https://www.wsj.com/articles/wall-street-bets-s-p-500-will-say-goodbye-to-outsize-stock-gains-in-2022-11640514607?mod=hp_lead_pos3\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".SPX":"S&P 500 Index","AAPL":"苹果","NVDA":"英伟达","GOOG":"谷歌","MSFT":"微软"},"source_url":"https://www.wsj.com/articles/wall-street-bets-s-p-500-will-say-goodbye-to-outsize-stock-gains-in-2022-11640514607?mod=hp_lead_pos3","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1152446317","content_text":"U.S. stocks are on track to end 2021 with another year of outsize gains. Many investors aren’t expecting a repeat in 2022.\nThe S&P 500 has climbed 26% so far in 2021, after rising 16% in 2020. Rip-roaring corporate profits and easy monetary policy have fueled the run. Earnings growth is expected to moderate next year, and the Federal Reserve is pursuing plans to raise interest rates, chipping away at key supports for the stock market’s rally.\nWhen rates are low, investors tend to load up on risk assets such as stocks to generate returns. When inflation accelerates and policy makers raise interest rates, the value of companies’ future earnings drops and investors have more alternatives for places to make money.\nRock-bottom interest rates early in 2020 helped propel equity valuations higher, and they have remained elevated in the months since. Many analysts and investors now believe that increasing rates are likely to keep valuations from rising further, and might cause them to fall.\nThough stock indexes often continue to rise early in a cycle of interest-rate increases, tighter monetary policy puts portfolio managers on a shorter leash and makes many of them guarded about taking on more risk.\n“We know there’s going to be a rate hike,” said Tiffany Wade, senior portfolio manager at Columbia Threadneedle Investments. “How soon before that do you start to position around valuations maybe coming off?”\nThe S&P 500 traded last week at about 21 times its projected earnings over the next 12 months, above a five-year average of a little less than 19 times, according to FactSet.\nSome strategists think the shift in monetary policy could help limit stock gains to levels more in keeping with their long-term trend. The S&P 500 has averaged an annual gain of 8.4% from 1957, the year it was introduced, through last year. But it is coming off three much stronger years. The index jumped 29% in 2019, even more than its advances in 2020 and so far in 2021.\n“That’s not normal,” said Joseph Amato, president and chief investment officer of equities at asset manager Neuberger Berman. “That’s been an extraordinary period of return, and our expectation is you’re not going to see that kind of market performance in ’22.”\nThere is reason, of course, to be humble about stock predictions: Analysts can’t forecast world events, or even how the market will react to them. Many analysts thought stocks would plunge throughout 2020 after the Covid-19 pandemic hit the U.S. A year ago, analysts underestimated the strength of the market’s 2021 rally.\n“One year is such a short period that it’s really hard to accurately forecast where stocks will be in a year from now,” said Aneet Chachra, portfolio manager at Janus Henderson Investors.\nStill, many of the structures that have supported the market will fade next year. Gains in 2020 and 2021 have been propped up by government spending and central-bank interventions, including the near-zero interest rates.\nThis month the Fed laid the groundwork for interest-rate increases starting as early as next spring and approved plans to wind down a bond-buying stimulus program more quickly. Democrats’ roughly $2 trillion education, healthcare and climate package faces an uncertain future after Sen. Joe Manchin (D., W.Va.) said last week he would oppose it.\nWall Street strategists are forecasting smaller gains for the S&P 500 in 2022. Among 13 banks and financial services firms whose analysts have published 2022 forecasts, the average target for the S&P 500 to end next year is 4940, about 4.5% above where the index closed Thursday.\nOn the high end of next year’s projections, strategists at BMO Capital Markets are forecasting the S&P 500 will finish 2022 at 5300, 12% above its current level. The BMO team expects company earnings growth will help push stocks higher.\nStrategists at Morgan Stanley, meanwhile, said their central scenario was for the S&P 500 to end the year at 4400, a drop of 6.9%. They expect price/earnings multiples to fall next year as bond yields rise.\nSlimmed-down valuations would be especially significant for a stock index such as the S&P 500, since it is driven by big tech stocks that often trade at high multiples.Microsoft Corp.,Nvidia Corp.,Apple Inc.,Alphabet Inc.andTeslaInc.recently accounted for about one-third of the benchmark’s gains this year. Tesla traded last week at about 123 times its projected earnings over the next 12 months, while Nvidia traded at about 58 times.\nProfits at big U.S. companies are expected to grow next year, though at a slower pace than this year’s surge. Analysts estimate that earnings from S&P 500 companies will rise 9.2% in 2022, according to FactSet, down from the predicted 45% profit growth in 2021.\nStill, many investors said that earnings are a reason to be confident that the market rally can last.\n“It’s easy to find a lot of things that can go wrong,” said Steve Kolano, chief investment officer at BNY Mellon Investor Solutions. “At the end of the day, earnings drive the equity markets.”","news_type":1},"isVote":1,"tweetType":1,"viewCount":1202,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":698469414,"gmtCreate":1640495978376,"gmtModify":1640495978547,"author":{"id":"3578040476775865","authorId":"3578040476775865","name":"Koco","avatar":"https://static.tigerbbs.com/4f310ea25748d79ab649d0d2fa408202","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3578040476775865","authorIdStr":"3578040476775865"},"themes":[],"htmlText":"Time to short those too lol","listText":"Time to short those too lol","text":"Time to short those too lol","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":4,"repostSize":0,"link":"https://laohu8.com/post/698469414","repostId":"2193178197","repostType":4,"isVote":1,"tweetType":1,"viewCount":1175,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":698231642,"gmtCreate":1640401144929,"gmtModify":1640401145099,"author":{"id":"3578040476775865","authorId":"3578040476775865","name":"Koco","avatar":"https://static.tigerbbs.com/4f310ea25748d79ab649d0d2fa408202","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3578040476775865","authorIdStr":"3578040476775865"},"themes":[],"htmlText":"Comment","listText":"Comment","text":"Comment","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/698231642","repostId":"1156159690","repostType":4,"isVote":1,"tweetType":1,"viewCount":1170,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":698356993,"gmtCreate":1640309516020,"gmtModify":1640310780363,"author":{"id":"3578040476775865","authorId":"3578040476775865","name":"Koco","avatar":"https://static.tigerbbs.com/4f310ea25748d79ab649d0d2fa408202","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3578040476775865","authorIdStr":"3578040476775865"},"themes":[],"htmlText":"More money for the ones at the top to rip off","listText":"More money for the ones at the top to rip off","text":"More money for the ones at the top to rip off","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/698356993","repostId":"2193283301","repostType":4,"isVote":1,"tweetType":1,"viewCount":1145,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":691598908,"gmtCreate":1640218203476,"gmtModify":1640218203679,"author":{"id":"3578040476775865","authorId":"3578040476775865","name":"Koco","avatar":"https://static.tigerbbs.com/4f310ea25748d79ab649d0d2fa408202","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3578040476775865","authorIdStr":"3578040476775865"},"themes":[],"htmlText":"Yay","listText":"Yay","text":"Yay","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/691598908","repostId":"2193511315","repostType":4,"isVote":1,"tweetType":1,"viewCount":1248,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":691948880,"gmtCreate":1640130738442,"gmtModify":1640130738601,"author":{"id":"3578040476775865","authorId":"3578040476775865","name":"Koco","avatar":"https://static.tigerbbs.com/4f310ea25748d79ab649d0d2fa408202","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3578040476775865","authorIdStr":"3578040476775865"},"themes":[],"htmlText":"Let go","listText":"Let go","text":"Let go","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":8,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/691948880","repostId":"2193663561","repostType":4,"isVote":1,"tweetType":1,"viewCount":944,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":693593269,"gmtCreate":1640047213668,"gmtModify":1640047213857,"author":{"id":"3578040476775865","authorId":"3578040476775865","name":"Koco","avatar":"https://static.tigerbbs.com/4f310ea25748d79ab649d0d2fa408202","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3578040476775865","authorIdStr":"3578040476775865"},"themes":[],"htmlText":"Comment","listText":"Comment","text":"Comment","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/693593269","repostId":"1184187118","repostType":4,"isVote":1,"tweetType":1,"viewCount":1211,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":693995815,"gmtCreate":1639958523534,"gmtModify":1639958523680,"author":{"id":"3578040476775865","authorId":"3578040476775865","name":"Koco","avatar":"https://static.tigerbbs.com/4f310ea25748d79ab649d0d2fa408202","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3578040476775865","authorIdStr":"3578040476775865"},"themes":[],"htmlText":"Ok","listText":"Ok","text":"Ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/693995815","repostId":"1153903024","repostType":4,"repost":{"id":"1153903024","kind":"news","pubTimestamp":1639955984,"share":"https://www.laohu8.com/m/news/1153903024?lang=&edition=full","pubTime":"2021-12-20 07:19","market":"us","language":"en","title":"Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports","url":"https://stock-news.laohu8.com/highlight/detail?id=1153903024","media":"The Wall Street Journal","summary":"Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lende","content":"<p>Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/ece6d96b441ee27bfda58fca9763be17\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>Early next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.</span></p>\n<p>A popular kind of “buy now, pay later” plan is coming to credit reports.</p>\n<p>Early next year,Equifax&nbsp;Inc.&nbsp;will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.</p>\n<p>These “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.</p>\n<p>Buy now, pay later is booming&nbsp;in the U.S. High-end and discount retailers alike&nbsp;offer the plans at checkout&nbsp;online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.</p>\n<p>“Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.</p>\n<p>Billions of dollars of obligations go unreported. Buy now, pay later company&nbsp;Afterpay&nbsp;Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.</p>\n<p>The payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.</p>\n<p>Credit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.</p>\n<p>Some buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.</p>\n<p>TransUnion&nbsp;said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to&nbsp;Experian&nbsp;PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.</p>\n<p>Afterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings&nbsp;Inc.&nbsp;said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.</p>\n<p>One stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.</p>\n<p>Equifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.</p>\n<p>Buy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.</p>\n<p>People who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.</p>\n<p>The credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; 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}\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nEquifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-20 07:19 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.wsj.com/articles/equifax-to-add-more-buy-now-pay-later-plans-to-credit-reports-11639915203?mod=hp_lista_pos4><strong>The Wall Street Journal</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders\nEarly next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit ...</p>\n\n<a href=\"https://www.wsj.com/articles/equifax-to-add-more-buy-now-pay-later-plans-to-credit-reports-11639915203?mod=hp_lista_pos4\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"EFX":"艾可菲"},"source_url":"https://www.wsj.com/articles/equifax-to-add-more-buy-now-pay-later-plans-to-credit-reports-11639915203?mod=hp_lista_pos4","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1153903024","content_text":"Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders\nEarly next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.\nA popular kind of “buy now, pay later” plan is coming to credit reports.\nEarly next year,Equifax Inc. will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.\nThese “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.\nBuy now, pay later is booming in the U.S. High-end and discount retailers alike offer the plans at checkout online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.\n“Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.\nBillions of dollars of obligations go unreported. Buy now, pay later company Afterpay Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.\nThe payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.\nCredit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.\nSome buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.\nTransUnion said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to Experian PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.\nAfterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings Inc. said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.\nOne stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.\nEquifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.\nBuy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.\nPeople who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.\nThe credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.","news_type":1},"isVote":1,"tweetType":1,"viewCount":912,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"defaultTab":"following","isTTM":false}