As the use of these easy-credit installment loans has grown, FICO said repayment data would provide more insight on consumers’ credit readiness.

Women, Black and Latino shoppers, with low credit scores have been the key to BNPL loan success. Credit scores could soon reflect how well or poorly American consumers are handling popular Buy Now, Pay Later loans (BNPL), known as a “blind spot” to lenders, CNN reports.

Typically, when using Buy Now, Pay Later loans, consumers pay for a given purchase in four installments over six weeks, in a model more similar to layaway than to a traditional credit card. The loans are marketed as zero-interest, and most require no credit check or only a soft credit check.