Ann: Business Update Continuing to Execute on the Plan, page-104

Again, you were the one who originally said BNPL defaults did not show up on US credit scores and I merely pointed out where you are incorrect.

Again, you really need to go into politics. You are utterly gifted in spending hours obfuscating in order to avoid admitting your error. Now you lump Klarna and Affirm in with Afterpay. Do they have exactly the same slack "soft" credit practices as APT....?

That would be a NO:

https://www.klarna.com/uk/customer-service/perform-credit-check-affect-my-credit-score/

And NO:

https://helpcenter.affirm.com/s/article/reporting-to-credit-bureaus

This is entertaining. You keep making more mistakes in trying to cover up your original mistake.

For crying out loud, nearly the entire BNPL industry, bar Afterpay who stupudly does not, report defaults to credit agencies, so your original suggestion that they did not was rubbish.

But thank you again for illustrating how ZIP has superior credit practices than Afterpay.