The consumer financial protection bureau, the c f p b, is doing its own inquiry. They're figuring out how binow pay later companies fit into existing credit regulations. And of course, they are mapping out the risks they may present to the people who use them. But those same people mostly can't improve their credit scores by using it. Right now, credit bureaus usually only find out about your short term by not pay later loans if you don't pay them and they go to collections.