Interpreted Prediction
Under the new FICO scoring model (expected in Fall 2025), consumers who have five or more Affirm loans and make payments on time will generally experience an increase or stability in their credit scores.
AI Evaluation Notes
The new FICO scoring models (FICO Score 10 BNPL and FICO Score 10 T BNPL) were launched in Fall 2025 as predicted. Analyses conducted by FICO and Affirm found that consumers with five or more Affirm loans who made on-time payments generally experienced an increase or stability in their credit scores under the new model.
Prediction Details
Target
Credit scores of consumers with 5+ Affirm loans making on-time payments will increase or remain steady
Predicted
date
After new FICO model launches (Fall 2025)