Credit scores affect everything from renting an apartment to applying for a loan. That’s why the recent announcement from FICO, the most widely used credit scoring company, is such a big deal. For the first time, FICO will include buy now, pay later (BNPL) data in certain credit scores.
This change could impact millions of people who’ve used BNPL services like Afterpay, Klarna, or Affirm to split purchases into smaller payments.
So, what’s changing, why does it matter, and what should you do now? Let’s break it down.
What’s changing
Until now, most BNPL loans haven’t appeared on your credit report. They didn’t affect your credit score, even if you missed payments.
FICO is changing that. The company announced new credit score models that incorporate BNPL data directly into your credit profile. This includes how many BNPL accounts you’ve opened, how often you use them, and whether you make payments on time.
Why this credit score change matters
For some, this is good news. If you’ve used BNPL responsibly and made payments on time, it could boost your score. But, if you’ve opened several BNPL accounts or missed payments, it could drag your score down.
What it means for everyday borrowers
- Building credit: Many younger adults rely on BNPL for everything from electronics to groceries. The FICO change means these purchases play a bigger role in building credit history.
- Credit visibility: For people without traditional credit cards or loans, BNPL data could help establish a record of responsible borrowing.
- Potential risks: Frequent BNPL use or missed payments could signal financial strain, lowering your score.
Timing and rollout of new FICO scores
FICO announced this change in August 2025. The update will roll out gradually as lenders adopt the new scoring models. Until then, many lenders will still rely on older FICO scores.
That means you may not see immediate changes to your score. But as more lenders update their systems, BNPL data will carry more weight.
Impact on Maryland residents
Think of your credit score as a financial snapshot. With BNPL now included, that picture becomes clearer, but also less forgiving if payments slip.
- If you make every BNPL payment on time, it may help you build a positive history.
- If you miss payments, even small ones, it could lower your score just like a late credit card bill.
- If you open multiple BNPL accounts quickly, it may look like risky borrowing behavior.
Steps to take control of your credit score
The good news is that you have control. Smart choices now can keep your credit score healthy as these changes roll out.
- Pay bills on time: Whether it’s a BNPL loan, credit card, or utility bill, on-time payments are the single most important factor for your score.
- Check your credit report: Mistakes happen. Visit AnnualCreditReport.com to review your report for free. If you spot errors, dispute them quickly.
- Limit new accounts: Only open BNPL plans or credit lines when necessary. Too many at once can raise red flags.
- Keep older accounts open: A longer credit history can help your score.
- Monitor your credit: Proactive credit monitoring makes it easier to stay on top of changes.
SECU is here to help
At SECU, we know credit scores can feel overwhelming. That’s why we provide guidance and resources to help our members strengthen their financial foundation.
Our credit score improvement tips cover everything from managing balances to avoiding unnecessary applications. And if you need personalized support, our team is here to help create a plan that works for your life.
Make the most of your credit score
FICO’s decision to include buy now, pay later data is a big shift in how credit is measured. For members who use BNPL responsibly, it’s an opportunity to show positive borrowing habits. For those who struggle with payments, it’s a reminder that every financial choice matters.
Ready to take control of your credit? Visit SECU’s financial wellness resources or talk with us about ways to protect, monitor, and improve your score.
