How will a Buy Now Pay Later (BNPL) account impact my FICO® Scores?
In order for BNPL account information to affect your FICO® Scores, this information would need to be included in your consumer credit file at a consumer reporting agency (CRA), also referred to as a credit bureau, and be fed into a FICO® Score calculation by the CRA. Our understanding at this time is that none of the three major CRAs currently feed BNPL account information reported to the CRA into the calculation of a FICO® Score. For as long as that is the case, your BNPL account information will not impact your FICO® Score.
Estimate your FICO Score range
Answer 10 easy questions to get a free estimate of your FICO Score range
Instant Access to Your FICO® Score
90% of Top Lenders Use FICO® Scores. Do you know yours?Get Access Now!
Get your FICO® Score for free
The score lenders use®
No credit card required