FICO is expanding its Score 10 Suite to include Buy Now, Pay Later (BNPL) data from providers like Affirm, Klarna, Afterpay, and PayPal Pay Later. Starting in 2025, both timely and missed BNPL payments will influence credit scores, as Affirm begins reporting Pay in 4 transactions to Experian and TransUnion. This change aims to offer lenders a clearer picture of consumer borrowing and helps responsible BNPL users build credit history. With nearly 39% of Americans using BNPL, experts advise treating these payments like traditional credit to safeguard borrowing power.
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