Buy Now, Pay Later Impacts Credit Scores This Fall

Black Friday sales are breaking records, according to data from Adobe. The company said many shoppers are relying on Buy Now, Pay Later options for purchases. FICO is expected to incorporate Buy Now, Pay Later data into credit scores this fall.

Buy Now, Pay Later might as well be Buy Now, Worry Later.

For the first time this year, use of the popular shopping feature will be reflected in your credit score.

In its 2025 Holiday Shopping Trends report,Adobe expects Americans to spend almost $12 billion on Black friday purchases when all is said and done,surpassing last year’s total by $1 billion. The company said Cyber Monday would likely see similarly strong sales.