Services that split up payments into installments are increasingly popular, especially among young and low-to-middle income shoppers. But now the FICO credit scoring company will be tracking that debt.

Credit rating agencies have removed small unpaid medical bills from consumer credit, and some people are seeing their credit scores improve, a new study finds.

The U.S. economy counts on you to borrow money and stay in debt for a credit score. But what if you were taught to never owe anybody anything?