I tried using Affirm once. Apparently the underwriter was "unable to confirm my identity" using my Experian data so I was denied. My credit history is extensive

I tried using Affirm once. Apparently the underwriter was "unable to confirm my identity" using my Experian data so I was denied. My credit history is extensive and includes 10+ years of data. So it's not for the lack of credit history. I tried their competitor (Klarna) as well. Their system worked just fine but it was only for $1000. Apparently they have some internal scoring system outside of FICO that helps to determine how much they will loan out. Ended up just foregoing the BNPL process and paying for it directly. Kind of glad I was denied now.