I had been using Affirm for a few years and rated it 5 and bragged on how useful it was. I am back to change my rating and to warn everyone to AVOID Affirm and find an alternative. They don't fairly report your on time payments. They supposedly only use one credit report agency, which is Experian, but I highly doubt that is true too. Apparently, if you improve your credit the a favorable term, Affirm doesn't want your business. They are nothing like what they used to be.