FICO's new credit scoring model will soon include a new factor. Learn how this change might impact your score.

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FICO announced Monday that it will begin incorporating buy-now-pay-later data into new scoring models, marking the first time the company has factored the popular loans into credit scores.

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.

FICO will include buy now, pay later data in credit scores starting this fall. Buy now, pay later loans have surged in popularity, raising concerns among some economists.