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Half the problem can be solved by blocking the number on your cell, or installing a blocking app. They might have your personal information, however, that's matters very little if they're unable to get hold of anyone in any way.

Affirm Personal Loans: the Non-Credit Card for Millennials

Affirm is a new type of lender that is disrupting the boundaries between credit cards and personal loans. Traditionally, loans were used for large purchases (cars, boats, and college tuition) and credit cards were used for everything else (anything from Starbucks to an engagement ring).