FICO announced on August 13, 2025, that it will include Buy Now Pay Later (BNPL) loans in its credit score calculation.
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Updated sep 17
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What happened
FICO announced on August 13, 2025, that it will include Buy Now Pay Later (BNPL) loans in its credit score calculation.
Who's involved
What this event is mainly aboutHow it developed
Newest first. Tap a step to see who reported it.- FICO's initiative to include Buy Now Pay Later (BNPL) loans in its credit score calculation is being analyzed by LendingTree.Sub-event
FICO will incorporate BNPL loans into its credit scoring model.1 source
FICO models are incorporating Buy Now Pay Later (BNPL) data into the U.S. credit ecosystem, with specific examples including Affirm reporting to Experian and Klarna reporting term loans.1 source
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The entities involved
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FICO
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Related events
Coverage
Newest first; wire copies grouped- GOBankingRatesYour Bank May Penalize You for Using Buy Now, Pay Later: Here’s What You Need To Know We’ve all been in that situation at the electronics or appliance store, or even the grocery store, where you want
- Fox BusinessSome buy now, pay later lenders are holding back customer payment data from credit bureaus Credit scoring models are evolving to account for the growing use of buy now, pay later (BNPL) services. Aff
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