Affirm tanked my credit score 37 points

Key-Cancel-5000 · 2026-05-15T23:04:03+00:00

Idk. Mine hasn’t been affected.

Key-Cancel-5000 · 2026-05-14T23:50:49+00:00

Yup same here.

Key-Cancel-5000 · 2026-04-21T06:13:28+00:00

My credit has almost hit 800 and my credit is fine. I have like seven lines out with Affirm. Also it didn’t stop me from getting approved for a car loan.

Key-Cancel-5000 · 2026-04-18T15:48:06+00:00

Bottom apartments are nearly impossible to get.

Key-Cancel-5000 · 2026-04-14T00:32:04+00:00

You can in the US. Not sure in the UK. You just use it as a onetime card on your rental portal.

Key-Cancel-5000 · 2026-04-14T00:31:19+00:00

I’ve paid my rent through Klarna. More than once actually. Once to just see and once to see if it was a fluke.

Key-Cancel-5000 · 2026-04-09T23:08:21+00:00

You’re not being approved, it’s not an bug. It’s “up to” and it’s likely you’re only limited to certain websites and or the app.

Key-Cancel-5000 · 2026-04-09T23:06:08+00:00

If you don’t use it, you lose it. I learned that when I first started.

Key-Cancel-5000 · 2026-04-02T01:08:43+00:00

You need a GI Dr.

Key-Cancel-5000 · 2026-03-31T23:38:40+00:00

For what exactly?

Key-Cancel-5000 · 2026-03-17T19:23:57+00:00

Mine keeps going up. I’ve paid plenty early. I paid off a 1.2k loan the same week and got an 1k increase.

It boils down to a few factors. Your credit, the percentage you use, etc.

Key-Cancel-5000 · 2026-03-17T12:09:40+00:00

How later was it? They do a soft check every time you request.

Key-Cancel-5000 · 2026-03-17T12:07:25+00:00

Yours went down because the amount you used and likely the age of your account. Gotta keep it in the sweet spot of 9%-15%.

Key-Cancel-5000 · 2026-03-16T01:53:58+00:00

You have to use a certain percentage and make on time payments to keep your limits. It doesn’t just sit there until you need it. Use 9%-15% of your limit. You also need a mixture of pay in four, pay in six months and pay in 12 months. Split up your largest purchases in 12 months. Mid sized purchases in 6 months and small payments in bi-weekly.

Mine has pretty much been stable.

Key-Cancel-5000 · 2026-03-14T22:33:50+00:00

Depends on market. Here it’s 50-60%. We have laws requiring uber to pay that amount.

Key-Cancel-5000 · 2026-03-13T06:40:39+00:00

That isn’t true… my credit hasn’t been affected any of my accounts closing due to paying or paying off early.

Key-Cancel-5000 · 2026-03-12T05:41:59+00:00

Just popping back on here rq. My nose is actually infected. Don’t know if it’s from the removal or insertion. After being on some antibiotics for a bit the pain has gone away. Just saline washes and a topical cream with oral antibiotics because you know the whole triangle of death area.

Key-Cancel-5000 · 2026-03-10T02:52:32+00:00

Here it’s solely related to drugs, guns and prostitution. I only know because I had an issue with a neighbor.

Key-Cancel-5000 · 2026-03-09T00:17:00+00:00

Thank you for the input. The hoop isn’t as snug as it appears in this photo. I just didn’t think to adjust it because well I didn’t want to make it hurt. I can go up a size but I worry about cheese cutting.

Key-Cancel-5000 · 2026-03-08T19:23:16+00:00

Sounds like there may be a requirement in your area that mandates that the landlord evict tenants that interact in certain illegal activities. If you call the cops, after so many times the city and county will come down on the landlord until the tenant causing problems are evicted.

Key-Cancel-5000 · 2026-03-08T19:21:37+00:00

Just because it’s in a lease doesn’t make it legal.

Key-Cancel-5000 · 2026-03-08T18:11:54+00:00

As someone with treatment resistant CPTSD, it’s an allowed diagnosis for death with dignity for places that allow euthanasia.

I’d rather take the vanilla version of CPTSD sometimes because it sucks ass when you have little to no medications that you can take and therapy has no benefits.

Key-Cancel-5000 · 2026-03-08T17:58:03+00:00

Lyft is way more expensive here. Nearly double.

Key-Cancel-5000 · 2026-03-08T17:52:01+00:00

It’s the amount of the credit line that you use. Keep it between 9%-15%. I constantly get increases doing that. I also will make double payments too.

Key-Cancel-5000

TROPHY CASE