This analysis describes what Affirm's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The clause establishes a standard credit reporting mechanism that connects loan performance data to the consumer credit reporting system. This authorization enables credit bureaus to incorporate Affirm loan activity into credit profile calculations used by lenders and other financial institutions.
The updated Privacy Policy establishes that Affirm qualifies as a financial institution under the Gramm-Leach-Bliley Act, meaning personal information collected in connection with Affirm services is governed by federal banking law rather than applicable state privacy laws. The policy now explicitly discloses collection of identity and profile information including full name, date of birth, Social Security number, email, mailing address, phone number, and password. The updated terms also disclose new data sharing arrangements with fraud prevention, identity verification, and risk intelligence providers, which were not previously detailed. You can contact Affirm's privacy team using the phone number provided in the updated policy to exercise data privacy rights.
View change record →Users' loan and payment activity with Affirm will be reported to credit reporting agencies as part of the standard credit reporting process. Credit bureaus will use this information in credit score calculations, which affects creditworthiness assessments by other lenders and financial service providers.
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"We may share your personal information with credit bureaus and consumer reporting agencies. We report your loan and payment information to credit reporting agencies, which may affect your credit score.— Excerpt from Affirm's Affirm Privacy Policy
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The clause establishes a standard credit reporting mechanism that connects loan performance data to the consumer credit reporting system. This authorization enables credit bureaus to incorporate Affirm loan activity into credit profile calculations used by lenders and other financial institutions.
Users' loan and payment activity with Affirm will be reported to credit reporting agencies as part of the standard credit reporting process. Credit bureaus will use this information in credit score calculations, which affects creditworthiness assessments by other lenders and financial service providers.
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