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 the operational basis for Affirm to access consumer credit information from third-party reporting agencies, which enables credit underwriting, ongoing account management, and risk assessment functions necessary to provide consumer credit services.
Users grant Affirm permission to request and receive their credit reports and scores from consumer reporting agencies as part of the credit application and account management process. This authorization applies automatically upon application or service use and covers multiple purposes permitted under federal credit reporting law.
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"By applying for or using Affirm's services, you authorize Affirm to obtain your credit report and credit score from one or more consumer reporting agencies. Affirm may obtain consumer reports in connection with your application for credit, for account review purposes, and for other permissible purposes under the Fair Credit Reporting Act.— Excerpt from Affirm's Affirm Terms of Service
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The clause establishes the operational basis for Affirm to access consumer credit information from third-party reporting agencies, which enables credit underwriting, ongoing account management, and risk assessment functions necessary to provide consumer credit services.
Users grant Affirm permission to request and receive their credit reports and scores from consumer reporting agencies as part of the credit application and account management process. This authorization applies automatically upon application or service use and covers multiple purposes permitted under federal credit reporting law.
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