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

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.

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,