Does Affirm Report to TransUnion?

Affirm does report to TransUnion, but the reporting is limited to specific credit products and usually kicks in after a delinquency.

Typically, installment loans and the 'Affirm Credit Builder' line are sent to the bureau, and the data appears only when a payment is 30 days past due; on‑time payments are rarely recorded (Affirm credit reporting policies). This leads into the next section on which Affirm products actually appear on your TransUnion report.

Only credit‑based purchases appear on your TransUnion report. Pay in 4 installments are generally not reported.

• Pay Over Time installment loans
• Revolving credit line (Affirm's credit line)
• Large‑ticket loan products (e.g., financing for high‑price items)

Affirm generally sends data to TransUnion only when an account becomes delinquent or is charged‑off; routine on‑time payments are not regularly reported.

• Delinquent payments (30+ days past due) are reported, usually within 30 - 45 days of the missed deadline.
• Charge‑offs or collections trigger a report, appearing on the credit file shortly after the loss is recorded.
• Positive activity (paid in full, on‑time) is rarely reported, so regular purchases won't create monthly credit‑score updates.
• Reporting frequency varies by product and merchant partner; some may never submit any data unless a negative event occurs.

Affirm data typically stays on your TransUnion report for seven years from the account's opening date (or from the first delinquency for negative marks), while the hard inquiry generated by an Affirm loan remains for two years; for example, a paid‑off installment will still appear as a positive trade line for seven years, then drop off automatically.

This timeline mirrors other installment accounts and sets the stage for the next section on how affirm reporting affects your TransUnion score, before you move on to checking if affirm appears on your TransUnion report.

Affirm shows up on a TransUnion report as a personal‑loan entry, usually labeled 'Affirm' or 'Affirm Financing.'

1. Request your free TransUnion file from the Annual Credit Report website or log into a paid TransUnion monitoring service.
2. Open the 'Personal Loans' or 'Installment Accounts' section; look for any line that contains the word 'Affirm.'
3. Verify the account details - balance, status, and the most recent payment date - to confirm it matches your own Affirm activity.
4. If you use a credit‑monitoring app, enable the 'Affirm' tag in the alerts settings so future entries appear automatically.

These steps let you see whether Affirm is currently reported, paving the way for the next section on how that reporting influences your TransUnion score.

Affirm's reports can move your TransUnion score up or down depending on payment behavior.

When you pay every installment on time, TransUnion records a positive payment history for the specific loan. The account shows as an open installment with a 'paid as agreed' status, which can add a timely‑payment line to a thin file and nudge a low or no‑credit score upward. Because the loan amounts are usually modest, the boost is modest but enough to improve your credit mix and demonstrate reliability. Affirm's reporting to TransUnion confirms that on‑time payments are the only factor that benefits the score.

If you miss a payment, the lender flags the installment as late after 30 days, and the delinquency appears on the TransUnion report. A late entry, especially if it ages into a collection, can drag your score down more sharply than a similarly sized credit‑card balance because the negative mark weighs heavily on a limited credit history. Repeated misses may trigger a charge‑off, which stays for seven years and can cripple a previously improving score.

Yes, you can build credit with Affirm on your TransUnion report as long as you use a product that reports - primarily the standard installment loans - and you pay each bill on time. The 'Pay in 4' option does not appear on TransUnion, so it won't affect your score.

When an eligible Affirm loan posts, TransUnion treats each monthly payment as a tradeline, adding to your payment‑history factor. After a series of on‑time payments you'll typically see a modest score boost; a missed or late payment records as a negative entry and can pull your score down. For more detail on what gets reported, see Affirm's credit‑reporting overview.

A missed payment adds a delinquency line for that specific Affirm loan to your TransUnion report.

• Late 30 - appears after 30 days past due, listed as 'Late Payment' with the past‑due amount and the original loan name.
• Late 60 - shows once the account is 60 days overdue, same format, flagged as higher risk.
• Late 90 / Collections - if the balance remains unpaid for 90 days, the account is transferred to a collection agency; the report shows a 'Collection' entry where the creditor is listed as 'Affirm' and the outstanding balance is recorded.
• Charge‑off - after roughly 180 days of non‑payment, the lender may charge off the debt; the entry reads 'Charge Off' with the final amount and still cites 'Affirm'.

These entries stay on your TransUnion report for the standard seven‑year period and will lower your credit score until resolved. If any of these lines look inaccurate, see the next section on disputing incorrect Affirm entries.

You can dispute an inaccurate Affirm entry on your TransUnion report directly through TransUnion's online portal.

1. Gather evidence - pull your latest TransUnion report, locate the erroneous Affirm account, and collect statements, payment records, or a confirmation letter from Affirm showing the correct status.
2. Start the dispute - log in to the TransUnion dispute portal, select the specific item, and upload your supporting documents.
3. Describe the error - use clear language, e.g., 'Affirm account listed as past‑due; actual balance is paid in full on 2024‑03‑15.' Keep the explanation to one sentence.
4. Submit and track - TransUnion must investigate within 30 days. Watch for the status update in your account dashboard; the result will appear as 'verified,' 'updated,' or 'removed.'
5. Follow up if needed - if the entry stays unchanged, contact Affirm through its support center to request a correction, then repeat steps 1‑4 with the new proof.

Proceed to the next section for unusual cases when Affirm doesn't appear on TransUnion.

Affirm can disappear from your TransUnion report in a handful of uncommon scenarios.

• The merchant never opted into credit‑reporting, so the loan never reaches TransUnion.
• The purchase amount falls below the $50 minimum that most lenders use before they submit data.
• You closed the account within the 30‑day reporting window, and the lender never filed a final update.
• A typo in your name, Social Security number, or address prevents the record from matching your TransUnion file.
• TransUnion experiences a data‑feed delay; the entry may appear after 60 days, as explained by how credit reporting works.