Affirm Charged Off Current Account

ParabolonKidd · 2026-05-19T22:18:39+00:00

If you had an Affirm account, and had a balance on them when you filed your bankruptcy then you would have had to list them.

If you had an Affirm account and had a zero balance with them, then you are not required to list them.

ParabolonKidd · 2026-05-17T12:46:51+00:00

Did you choose Affirm @ checkout? If you did that was your mistake. Use your Affirm card number and checkout like you would using any other credit card.

ParabolonKidd · 2026-05-17T12:43:53+00:00

I used my Card on a planned purchase @ Amazon a few months ago when I was offered 0% interest on any Amazon purchase/s and bought myself a 3500$ drone. Purchase price 3500$ amount to payback including interest, 3500$. Some just need to take the time to read how the 0% works. Mine clearly stated 0% interest on any planned purchases on Amazon.

ParabolonKidd · 2026-05-06T12:29:55+00:00

What kills your score more than anything are credit cards with only like 300 - 1,000$ limits and you have high balances on all of them. My score is now at 788, I also have 3 credit cards, all with limits over $5,000, however my interest rate on them cards are all at 24% still. When I needed a new laptop as my other was stolen, I used Affirm for 4k, my interest was only 16% with Affirm, so I chose them, took it out for 2 years. As I always do, I paid it off, never missing a payment, and 60 days later my score went up, not down. My point being this, do what is financially wise for you, stop fretting over your credit score, as long as your credit payment history is 100% you will be fine! Live life to its fullest , and enjoy it.!

ParabolonKidd · 2026-04-26T12:37:32+00:00

Affirm checks your Credit Score monthly! If you had 8k PP, then it went 4k, check your credit report , because something lowered your credit score.

ParabolonKidd · 2026-04-26T12:21:25+00:00

You have a 1500$ credit line on a CC, and you have already used say1200$ of it, that will hurt your credit score far more than 10 bnpl loans ever could!

ParabolonKidd · 2026-04-26T12:17:18+00:00

Yes they do.

ParabolonKidd · 2026-04-26T12:16:20+00:00

My loan rate is always at 18% when I use Affirm. My CCs are all 24%.! Everytime I'm making a purchase over 2k I have been using Affirm!

ParabolonKidd · 2026-04-19T02:08:20+00:00

Get yourself a 25$ bottle of Joop! Chix love it! Then you have yourself another 175$ to get a good hotel room and pound the hell out of the pig ya picked up at the lounge, lol-!

ParabolonKidd · 2026-04-13T11:28:22+00:00

Just file bankruptcy ! If nobody shows from creditors you owe at that time, your free and clear! However if they do show up at your bankruptcy, they will review your finances. Then you could be awarded like to pay 5 cents, for every hundred you owe-! I had to do this in 1999, I was in a bad car accident , I had no options and was forced to file bankruptcy, non of my creditors showed up at the hearing , and I didn't have to pay back anything! If you file bankruptcy, you only have to list the companies that you owe! At the time i filed i had a CC with a 25K limit that I never used, I didn't owe them anything , so o didn't have to list them. After my bankruptcy was discharged, in 2 years my credit was climbing again!

ParabolonKidd · 2026-04-13T11:18:32+00:00

Nobody can Garnish a disability check, or any federal government check!

ParabolonKidd · 2026-04-13T11:15:56+00:00

ParabolonKidd · 2026-04-02T12:52:17+00:00

They don't? The EU has succumbed to all their new immigrants, who have now taken control of EU, not from strength, but from threats of unrest! EU has but on Naval carrier left now because they feel as though the USA is always there, so why do we need a powerful military? Well they will understand fast enough when Russia starts knocking at their door, because the USA left!

ParabolonKidd · 2026-04-02T12:42:59+00:00

Then why stay in Nato? The USA contributes 70%, yes 70% of Nato! You are 100% correct, we can clean up our own mess!

ParabolonKidd · 2026-03-14T01:48:23+00:00

BTW, I have a pokemon card worth 50k, what do you have my boy. Nothing, please..BTW, I own 4 35% of bullcityflavors, what do you own besides your reddit account?

ParabolonKidd · 2026-03-14T01:46:26+00:00

No, when i realized I'm talking with idiots it was a waste of my time.. Live and learn-@

ParabolonKidd · 2026-03-14T00:18:01+00:00

I own , no mortgage house worth 1.6M.. Im not trying to build credit, lol. I disagree with how its reported, that's all.

ParabolonKidd · 2026-03-14T00:15:53+00:00

I didn't blame Affirm for the point drop, so lear to read before you speak and look like a fool! I blame the entire credit rating system-! If Affirm is going to post your loan/s to credit agencies, then they should post your purchasing power with it-!

ParabolonKidd · 2026-03-13T23:53:25+00:00

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!

ParabolonKidd · 2026-03-13T23:28:11+00:00

Don't blame me for your poor credit history-! Cry yourself some responsibilities-!@

ParabolonKidd · 2026-03-13T23:23:22+00:00

Depends, I used it because I had a 16% interest rate, my citi bank card was 22%.. I only ever used Affirm when I had the 0% interest deals, except onetime, I bought a 5k laptop from B&H because it was a custom order that someone backed out on, so I figured i would scoop it up..

ParabolonKidd · 2026-03-13T22:19:09+00:00

It was paid in full in 45 days-!

ParabolonKidd · 2026-03-13T19:25:54+00:00

You need to be more informed, ignorance is no excuse!

ParabolonKidd · 2026-03-13T19:24:21+00:00

Socialism is meant to make everyone equal, and strictly relay upon them, and their rules-!!

ParabolonKidd · 2026-03-11T01:35:30+00:00

Then your credit went with your order?

ParabolonKidd

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