Affirm BNPL Credit Reporting · Investigation

Did Affirm’s “Buy Now, Pay Later” hurt your credit?

Attorneys are investigating whether Affirm’s reporting of Buy Now, Pay Later loans to the credit bureaus harmed California consumers. If you paid on time and your score dropped — or you were denied or given worse terms — you may have a claim.

See if You Qualify

Confidential · about 3 minutes · * indicates a required field

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This field is for validation purposes and should be left unchanged.
1. Did you use Affirm Buy Now, Pay Later?*
2. Which Affirm product(s) did you use?*
(check all that apply)
3. When did you have Affirm loans?*
If you had several Affirm purchases, list the ones you remember best.
5. Before you chose Affirm, did you see or hear that it would have “no impact” on your credit score?*
(check all that apply)
6. Did you make your Affirm payments on time?*
Loans you are still paying count, as long as the payments have been on time.
7. Did your credit score drop — or were you denied or given worse terms on a mortgage, auto loan, credit card, or apartment?*
8. Since your first Affirm loan, have you applied for any of these?*
(check all that apply)
9. Has a score explanation, credit‑monitoring alert, or denial letter ever mentioned “consumer finance accounts”?*
10. Have you ever had an account with Experian (free membership, CreditWorks, Boost, IdentityWorks) or TransUnion (TrueIdentity, the TransUnion app) — even a free one?*
11. Did you ever dispute an Affirm account with a credit bureau?*
(check all that apply)
12. Do you still shop at stores that offer Affirm, or expect to use Affirm again?*
13. Where do you live?*

Contact Information

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How it works

01

Answer a few questions

A short, confidential form confirms if your situation fits.

02

We review your file

Our team checks the credit-reporting facts against the claim.

03

Know your options

If you qualify, we explain next steps. Free, with no obligation.

Attorney Advertising. This page is a paid advertisement for legal services from Kahn Swick & Foti, LLP, and it is not legal advice. No lawsuit has been filed at this time; this is an investigation. Submitting the questionnaire or otherwise contacting us does not create an attorney‑client relationship, and the firm will not represent you unless and until you and the firm sign a written engagement agreement. No outcome is guaranteed, and prior results do not guarantee a similar outcome.

Fees and costs. The initial review is free and carries no obligation. If the firm agrees to represent you, the terms — including whether you could be responsible for any litigation costs — will be set out in a written agreement before you sign. In a class action, a named plaintiff may in some circumstances be responsible for a prevailing defendant’s court costs or, if a court finds a claim was pursued in bad faith, its attorney’s fees.

Responsible attorney: Ramzi Abadou, California State Bar No. 222567 · Kahn Swick & Foti, LLP, 1901 Avenue of the Stars, 2nd Floor, Los Angeles, California 90067 (Los Angeles County) · (415) 459‑6900 · ramzi.abadou@ksfcounsel.com

Privacy and notice at collection (California). We collect the contact information and the answers you choose to provide on this form, and we use them to evaluate your potential claim and to contact you about it. We treat what you send us as confidential information from a prospective client. Our privacy policy describes the categories of personal information the firm collects, how it uses, shares, and retains that information, and how to exercise your privacy rights, including your rights as a California resident. Questions: info@ksfcounsel.com.