As the use of these easy-credit installment loans has grown, FICO said repayment data would provide more insight on consumers’ credit readiness.

FICO will add buy now, pay later loans to credit scores, a move that could affect mortgage applicants as lenders begin factoring in the new credit data.

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,