FICO credit scoring models will be the first to include buy now, pay later data as the payment method continues to surge in popularity among American consumers.

With BNPL loans exploding in popularity, a change is coming to credit scoring that shows just how mainstream they have become ...

Financial analytics company FICO has announced two new scores that incorporate buy now, pay later (BNPL) loan data for the first time.

Have you ever opted for Buy Now, Pay Later at the checkout? You'd hardly be the only one. About 86.5 million people used BNPL in 2024, according to Capital One's research. Starting later this year ...

Credit restoration expert Micah Smith cautions over buy now, pay later loan data hitting your credit report negatively and ...

Many consumers have been using buy now, pay later payment options like Affirm, PayPal Credit or Klarna – surveys put usage at ...

FICO, the company behind the most widely used credit scoring models in the U.S., has developed two new algorithms that, for ...

Around 40% of BNPL users say no impact to their credit score is one of the top benefits of the plans, according to a recent survey of over 1,000 Americans by affiliate marketing agency PartnerCentric.

pay later affect credit going forward? According to a yearlong analysis that FICO completed in tandem with BNPL company Affirm, it is projected that "Affirm customers with multiple BNPL loans would ...

Buy Now, Pay Later loans to impact credit scores The Associated Press // June 27, 2025 // A woman walks by a "Buy Now Pay Later" sign at a store in Bangalore, India, on Sept. 10, 2009.