I think the effort in focusing on credit checks for ATP is of little interest except to governments and down rampers. If you have not read it you should read StefanF's https://hotcopper.com.au/threads/ob...cks-vs-no-credit-checks.5486835/#.XyCvu0UzaUk
Should the government insist on credit checks plenty ma and pa's will depart but it will make little difference to Zip or ATP in a couple of months.
DYOR
Zip vs Klarna vs Afterpay, page-17
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