FICO’s new credit scores will include buy now, pay later loans data. Here’s how it could impact your score. Sam Becker . Mon, Jun 23, 2025, 9:37 AM 3 min read.

FICO, the company whose credit scores are used by 90 percent of U.S. lenders, said it would start including a person’s “buy now, pay later” payment history in its all-important credit score.

FICO is introducing two credit scores that incorporate buy-now, pay-later data, underscoring how significant a part of the consumer credit landscape the popular and controversial installment plans ...