Credit Cards Center Credit cards from our partners
Reply
New Member
Posts: 15
Registered: ‎04-18-2016
0

Re: Affirm Financing

They do a soft pull from Experian but will do hard pull if they ask you for your income. I have had luck with merchants under $500. Have a ~580 score on all three. Got approved for Travelocity for 358.00 ...they don't advertise but you can click "monthly payments" when booking a room and it will redirect to affirm. Got approved just now for Amazon also for $300 after synchrony turned me down for Amazon store card(shocker, never have luck with synchrony, only one card with them). The big glaring warning for you new to credit: comes with hefty interest. Not quite payday loan level but very high, 30% for almost everything I have signed onto, so I'm treading lightly, though I'm curious about how much/many they will let you carry and if they report, surely they must...no indication they do though, positively anyway. I will try and see if I can pull off a larger Best buy one with those running concurrently. Surprised I never heard of them before.

OT: Have a Nordstrom card in good standing, hardly use though due to low limit, can't find anywhere on website to request CLI, any tips?
Starting Score: EQ 479, TU 492, EX 440
Current Score: EQ 602, TU 606, EX 603
Goal Score: EQ 720, TU 720, EX 740
New Member
Posts: 15
Registered: ‎04-18-2016
0

Re: Affirm Financing

Also I'm a developer, and I noted that the app uses your device location, so be aware of that. The "pin" you get via text is called two factor authentication, which you can actually apply to any app, just look for Google Authenticator app. Encrypts your stuff and requires your participation.
Starting Score: EQ 479, TU 492, EX 440
Current Score: EQ 602, TU 606, EX 603
Goal Score: EQ 720, TU 720, EX 740
New Member
Posts: 5
Registered: ‎06-27-2017
0

Re: Affirm Financing

 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.