I would not recommend using Affirm's services after my poor experience with them. Despite the invoice from the company I purchased the doors from stating a zero balance after the return, I never received an invoice from Affirm indicating that I still owed funds. In response to this, they reported me to the credit bureau agencies without justification, damaging my credit score. I have been diligently trying to have this negative report removed from my credit report, but to no avail.