I recently wrote to them, no answer yet: Victor A 2:25 PM (16 minutes ago) to help Dear Affirm, I am in the process of launching a formal complaint and inquiry against the practices of your company with the Better Business Bureau. A few days ago, I found out that my oldest daughter, who lives in Houston, Texas has advanced, life threatening cancer. I was/am desperate to travel from my home in Baltimore, Maryland to Houston, Texas. I promptly applied online to get approved by Affirm for its travel loan options. To my dismay and bewilderment, my application was declined due to an Experian credit score of 491. Highly suspicious of what I immediately suspected is an incorrect credit score from a company formally censured by the U.S. Government for failing to ensure the privacy and accuracy of consumers' credit information, I logged in to a free online credit score website. Just as I suspected, my Experian credit "FICO" score is grossly wrong!! My FICO score is, in fact 561 (not the best credit score, but certainly not the worst either), l repeat, my credit score is 561!! In any event, as my daughter has life threatening, stage 4 cancer, she needs me by her side as soon as possible. Fortunately, I was able to find out that Delta Airlines has a medical emergency discount airfare program. I am going to send the airline whatever documentation it needs and promptly be on my way to Houston! Due to the emergency nature of my situation, I cannot afford to become more upset or stressed out than I already am. I would just like to know why Affirm would solely rely on the data of a credit bureau under fire by the U.S. Government for extreme breaches of the public's trust, questionable legal practices, and the gross inaccuracy of its data, which in my case resulted in Affirm's decision to deny my application, and which Affirm declares to me that its "Decision is Final" regarding my declined application. Just as your decision is final, so is my decision - NEVER to even consider using Affirm for any service ever again! I would like to say SHAME on Affirm, but from my bitter experience with your company, I can only conclude that it has no shame; neither does it have any sense of customer service accountability, reliability, fair play, honesty or integrity for that matter. In closing, I do not want to waste any more important time expressing my profound outrage and disappointment. I have a very sick child who needs me by her side as soon as possible. Rest assured that when I return home, I will consult with an attorney as well. One thing is certain, I will advise all of my friends and acquaintances from this point on from ever doing business with Affirm or putting their trust in such a disreputable organization.