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Getting this message can be frustrating so we have investigated the most common reasons why Affirm payments get denied.if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[250,250],'paylaterguide_com-medrectangle-3','ezslot_6',102,'0','0'])};__ez_fad_position('div-gpt-ad-paylaterguide_com-medrectangle-3-0'); The main reason Affirm usually denies payment is that their systems cannot verify who you are. Now they only approve me for $90. I agree with other reviewers who complain about customer service. New comments cannot be posted and votes cannot be cast. Many lenders have stricter UW policies due to the pandemic. Depending on the results of the soft credit check Affirm may deem you as not credit worth of a loan. Credit Score Needed For Affirm Approval (in 2022) - CreditGlory WTH is going on now? Yes. Why was I denied financing by Affirm? By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Select the payment schedule you like best, then confirm your loan. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. And sometimes, affirm on amazon might not work because Affirm is not eligible for certain purchases, including digital purchases like Kindle books, movies, gift cards, Whole Food Market or Amazon Fresh orders and carts under $50. Its 10 years old & falls off next month. Contacting Affirm may not help since the company does not store information regarding a customer's financial denial. Affirm has denied me credit at this because of my FICO score which during this time I lost so hours on my job I co-signed for a relative that also had some job problems but I never missed a payment with Affirm Affirm has been a big help I have been with Affirm for some years now never a problem it would be fair to use my history with Affirm. If you cant find your bank then Affirm will not be able to complete your purchase. !Affirm is associated with Priceline when purchasing a trip as another way obtain Credit vs paying with your own bank cards.DO NOT USE THEM! For example, if youve recently moved house or changed your name. Affirm denied me due to "repayment history", though I've only ever been 3. These people cant even resend packages once your refund is denied! Why was I asked to verify my identity? - Customer Help Center You must have been calling the vendor. You probably just recently took out a loan and theres a limit on how much you take out. Ive been having problems for 6 months now updating my phone number and verifying my identity with Affirm (update links never came and when it finally did you get a technical error) Their updating information process is horrible and while their customer service staff tries to assist, they often cant really help you. As we have said before, Affirm will only approve credits if it is possible to prove that you are worthy of them. The content on this page provides general consumer information and is not intended for legal, financial, or regulatory guidance. Had trouble getting a refund from seller so I asked Affirm to step in. It is by no means my fault that I cannot get into my account. There is a possibility that you may have a slow or poor internet connection. Thanks! helpcenter.affirm.com/s/article/loan-approvals. Just reapplied & was told I had a bankruptcy!! If you reach your credit limit or it's been decreased, purchases may result in your card being declined. I dont understand why I was denied even though I work at Walmart.