Affirm Holdings Inc. ($AFRM) is set to enhance consumer credit visibility by providing data on its pay-over-time loans to Experian Plc starting April 1, 2025. This initiative includes buy now, pay later (BNPL) loans and longer-term loans, addressing concerns regarding transparency in short-term loan products. Affirm's Chief Financial Officer, Rob O’Hare, highlighted the company's significant market position, controlling approximately half of the U.S. revenue in the BNPL sector, which positions it for future growth. The move to report to Experian aims to support lender decision-making through improved credit reports, although the data will not initially impact consumers' credit scores. Affirm currently holds a market capitalization of $13.98 billion, while competitor Klarna is seeking a valuation of $15 billion. In comparison, Block's acquisition of Afterpay was valued at $13.8 billion based on the share price at the time of closing.