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EMARKETER

Affirm starts expansive credit reporting to Experian

Article by Grace Broadbent  |  Mar 20, 2025
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Affirm starts expansive credit reporting to Experian
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Credit & Debit
Digital Payments
Mobile Payments
United States

The news: Affirm will report all of its pay-over-time products to Experian starting April 1, per a press release.

  • Lenders will not be able to see consumers’ Affirm history, and the reporting will not factor into their credit scores.
  • Consumers can track BNPL loans on their credit reports daily with a free Experian membership.

Affirm said BNPL reporting may affect consumers’ credit scores in the future as bureaus develop new credit scoring models. It also plans to report loan information to other credit reporting agencies.

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