FICO is introducing two credit scores that incorporate buy-now, pay-later data, underscoring how significant a part of the consumer credit landscape the popular and controversial installment plans have become.

Key Takeaways FICO launched two credit scores that incorporate consumers' record of paying back buy now, pay later loans, the analytics company said Monday.The move allows lenders to get a better sense of borrowers' repayment history,

FICO credit scores will begin incorporating buy-now-pay-later data for the first time. Why it matters: With over 90 million Americans expected to use BNPL for purchases this year, critics argue that existing credit scores paint an incomplete picture of an individual's ability to pay back loans.