As the use of these easy-credit installment loans has grown, FICO said repayment data would provide more insight on consumers’ credit readiness.

Typically, when using Buy Now, Pay Later loans, consumers pay for a given purchase in four installments over six weeks, in a model more similar to layaway than to a traditional credit card. The loans are marketed as zero-interest, and most require no credit check or only a soft credit check.

FICO plans to include "buy now, pay later" histories in credit scores, marking the first time a leading credit score provider will include the data.