Affirm을 이용한 payment - Scam 가능성?

이번에 제가 삼성 홈페이지에 구입을 하면서  같이 연동되어 있는 affirm이라는 업체?를 통해 4주간의 분할 매수를 해보았습니다.

그리고 바로 론이 어푸르브 되었으고 삼성에서 오더가 진행이 되었다는 이메일을 받고 그런가 보다 했었는데...

2시간 쯤후에 네가 요청한 prequalification 에 메세지가 있다며 메일이 왔길래 보니 다음과 같은 메세지가 있더라구요.

Thank you for your interest in a loan through Affirm issued by Celtic Bank, 268 South State Street, Suite 300 Salt Lake City, UT 84111 USA. Our partner bank can't prequalify you because you didn't provide all the information we asked for.

Our decision was based in whole or in part on information obtained from the following consumer reporting agency:

Experian's National Consumer Assistance Center
P.O. Box 4500
Allen, TX 75013
(888) 397-3742

This consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Any questions regarding such information should be directed to the reporting agency listed above.

We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

Key factors that adversely affected your credit score:

• LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
• RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH
• TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
• PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
• If you have any questions regarding your credit score, you should contact Experian directly at (888) 397-3742.

If you have any questions regarding this letter, you should contact us at:

Affirm, Inc.
30 Isabella Street, Floor 4
Pittsburgh, PA 15212

이것이 제가 이미 어푸르된 론에 관한 내용인지 아니면 제 정보를 이용해 다른 사람이 시도 했다가 실패했다는 내용인지 모르겠네요.

그리고 제가 당장 어떤 조치를 취해야 되는 걸까요?

Credit Karma로 체크해보니 하드 풀의 기록은 아직 없네요.

혹시 비슷한 경험이 있으신 분 계신가요?