r/Affirm • u/UpstairsBeginning193 • 24d ago

Credit from affirm

I have a buddy who is about $4,000 in affirm debt and can’t pay it back he’s worried about how hard it will hurt his credit anyone been in a similar situation? How hard was your credit affected

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u/Kingjosiahd 20d ago

Beat to try to handle it with the actual company then for it to hit collections. I was at $1300 with affirm. I just started to tackle my debt and saw it was in collections. Even after 5yrs it was still hurting more than more recent ones. I was fortunate to work with the collections jefferson capital and work out paying $320 and being done with it. The nice thing was their policy is Pay to Delete when balance shows 0. My score went up 54 points after that was paid.