it was about £3,000. unlike banks or credit card companies, buy—now—pay—later firms don't have to check their customers�* full credit histories. at the moment, a lot of them make what are so—called soft| credit checks, but they don't generally record data - with credit reference agencies. and what that means, in turn, is the money that you borrowl through buy now, pay later. can't be seen either by other buy now, pay later providers or by the mainstream creditl market so you can have people being lent money they simply. can't afford to repay. i decided to put some of the buy—now—pay—later companies to the test. so, i already use klarna. so, i'm going to sign up for a few other ones and see how easy it is to get credit with them and what kind of things they ask for when you sign up. it's asked for my name, my date of birth, and my address. ok, so i've signed up to five different buy—now—pay—later