FICO Adds BNPL Data to Credit Scores This Fall

FICO will launch two new credit scores this fall — FICO Score 10 BNPL and FICO Score 10 T BNPL — that incorporate BNPL data alongside traditional credit metrics. These new scores aim to give lenders deeper insight into consumer repayment behavior and help expand credit access, particularly for those whose first credit experience is through BNPL products. The move follows a joint study with Affirm and marks a growing shift toward integrating alternative financing data into mainstream credit assessments.