FICO to incorporate buy-now-pay-later loans into credit scores

This seems like it’s going to harm more people than help. Encouraging fiscal irresponsibility under the guise of improving your credit score. All it’s really going to do is give lenders another metric to deny you a loan, either because of delinquent accounts or too many accounts opened and closed.

Maybe not deny in case of too many accounts opened or closed but risk profile can change. So think higher APRs compared to people without bnpl.