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FICO’s new credit scores include data from BNPL loans.
The scoring models, which incorporate loan history from buy now, pay later services, like Klarna, Affirm, and Afterpay, will exist alongside FICO’s standard credit score.
FICO trained the models on over 500,000 BNPL loans from Affirm, and users with five or more loans “typically saw their scores increase or remain stable,” according to the WSJ. However, the publication notes that credit bureaus still have to decide whether to share this information with borrowers and lenders.
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