What Collection Agency Does Affirm Use?

If you have an unpaid account with Affirm, your debt can be assigned to a third-party collection agency.

Based on user submitted entries, consumer reports and public records. They don't represent confirmed business relationships with Affirm. Always verify the agency's identity before making any payment.

What happens if you owe Affirm money?

Affirm will attempt to collect internally first with reminder letters, phone calls, text messages and emails.

If the account stays unpaid after 90 to 180 days, Affirm assigns or sells the debt to a collection agency. The agency then contacts you directly.

Why is Affirm sending me to collections?

Unpaid bills, outstanding account balances, or unresolved charges. Accounts typically go to collections after 90 to 180 days of non-payment.

What to do if Affirm sends you to collections

• Don't acknowledge the debt or make a payment until you've confirmed it's legitimate.
• Request written verification: the original creditor's name (Affirm), the account reference, and the total amount.
• Cross-check the amount against your Affirm records.
• If valid: pay in full, negotiate a settlement or set up a payment plan.
• If you don't recognise the debt, dispute it in writing.

Can I deal with Affirm directly?

Sometimes. Contact Affirm's customer service or billing department. Some companies will recall accounts from collections if you arrange payment directly with them.

Will this affect my credit score?

Yes. A collection entry from an unpaid Affirm account lowers your credit score and stays on your report for 6 years from the date of last activity in most provinces.