<ul data-eligibleForWebStory="false">Buy Now, Pay Later (BNPL) apps have made it easy to split payments, but FICO will now consider BNPL accounts when calculating credit scores.Late payments on BNPL could negatively impact your credit score, while timely payments could improve it.To maintain a healthy credit score while using BNPL, it's essential to make payments on time and manage your debt responsibly.BNPL is evolving to affect credit scores, emphasizing the importance of staying organized and paying off balances promptly.