> They threatened to report this to a credit rating agency. At any given time it's probably not a big deal assuming 1) you don't need to replace your car or sig

> They threatened to report this to a credit rating agency. At any given time it's probably not a big deal assuming 1) you don't need to replace your car or sign a lease or get a personal loan around that time and 2) you know that you can dispute negative marks on your credit report and you know how to do that. or 3) it's just a bluff or 4) they do this all the time and the hit is so minimal that it won't even register, because of Affirm's disrepute.