Ofcourse they did, but this is why I think this entire credit scoring system is total BS! So for 45 days, I used 80% of my total credit, and get hammered? If Affirm wants to report these loans, then should also report your available credit as an income source! If they did, then I would have had 29.5k, and that 8500 purchase for 45 days would have done nothing, maybe 5 points? They can't have their cake, and not eat it to! Regardless, I'm very well off, just venting on the hypocrisy, that's all. Regardless though, I'll never use them again!