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Date: Fri, 08 May 2026 21:42:25 +0000 (UTC)
From: Affirm <affirm-billing@affirm.com>
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Message-ID: <Bfh2tIphT9yTaPx_OAtc5w@geopod-ismtpd-124>
Subject: Notice: Delinquent loan will soon be reported
Reply-To: no-reply@affirm.com
To: tjphuhs@gmail.com

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Avoid further reporting by getting current

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Timothy, avoid further reporting by getting current

Your account is nearing 65 days past due, at which point your delinquency m=
ay be reported. Resolve your outstanding payment(s) today.

Business Name: Amazon

Payment Due: $28.04

Due Date: Mar 4, 2026

Pay now (affirm.com/s/r/.eJxNjrsOgjAUht_lzEiNESXdvA0anQgGp-YEDtDQFtKWEEN4dx=
sH4_rfvn8GS5W0VHoxWgUcWu8HxxmbpinGupZWx2Wv2chUj8axAd-ajGdFvr-uis0tgwi8xbKTp=
hEVegQ-gyc9KPQkZAU8SdMIyhZtQwKtDIj_ribn8Oe88mN2SQ7r3f15zk_bRwiEV98ZCGRh-ilI=
phcV0aCk6YDXqBwtywfm_0NR.L6XEp0xJDtmxF9iV0f3YXZzDPMg)

=E2=80=9CDelinquency=E2=80=9D is a term used to describe debt that has rema=
ined overdue for a significant period of time.

A delinquent loan may be reported to the credit reporting agency(ies).
If you've already made a payment, please ignore this message. Thanks for us=
ing Affirm!

Simplify your payments. Turn on AutoPay (affirm.com/s/r/.eJxNjssKgkAUht_lrM=
2JyJLZdVsUtRLDVsPJOergOCPjiIT47klQtP7-yzeCI6kc5V70TgOHyvu244wNwxBiUSjXhLltW=
M-0RSOw97bFF8vS7XmRrS4JBOAd5rUypZDoEfgInppWoyehJPAojgPIK3QlCXRqfvjvNtR1-COP=
dJ-cot1yc70f08P6Ngdmqc8MkMGnpq_ATIwVkqjVytTAC9QdTdMbld1F3w.ILpMHKlhSordjVWw=
HEMWUN6kJOU).

Thanks for using Affirm!

This communication is an attempt to collect a debt and any information obta=
ined will be used for that purpose. We may report information about your ac=
count to credit bureaus. Late payments, missed payments, or other defaults =
on your account may be reflected in your credit report.

Loan ID: XU7I-X2JS

If you need help, call (855) 423-3729, or visit our Help Center (affirm.com=
/s/r/.eJw9jssKwjAQRf9l1mpFfJSAiK-FoqtS0dUwJNM2mKQxiSvpv9u6cH3Pvfd8ILDSgWXCd=
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PuRYVszfaPUFUZCJ33RccJUrc.6au_JHqm1-rPkLsn70rAUGD4E1g).

You are receiving this email because you conducted a transaction with Affir=
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xt-size-adjust:100%; mso-table-lspace:0; mso-table-rspace:0">
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=3D"0" cellspacing=3D"0" border=3D"0" width=3D"600" style=3D"-ms-text-size-=
adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0; mso-table-r=
space:0; max-width:100%" bgcolor=3D"#ffffff" role=3D"presentation">
            <!-- LOGO -->
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                        <td align=3D"center" bgcolor=3D"#4A4AF4" style=3D"-=
ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0=
; mso-table-rspace:0">
                            <table align=3D"center" cellpadding=3D"0" cells=
pacing=3D"0" border=3D"0" width=3D"150" height=3D"100" role=3D"presentation=
" style=3D"-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-ta=
ble-lspace:0; mso-table-rspace:0">
                                <tr>
                                    <td align=3D"center" style=3D'-ms-text-=
size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0; mso-ta=
ble-rspace:0; color:#101820; font-family:"Calibre", Arial, sans-serif; font=
-size:16px; font-weight:400'>
                                    <a href=3D"https://url1445.affirm.com/l=
s/click?upn=3Du001.Bez53ivsbSplFpdi7lgqCYV6OBeLo2ezsJeg4HEK8-2F-2FFKQQrumrl=
dYbIRx6zrr4AQo1H28W3QDLgwWW-2BaS-2BDvMt5uTusyegFFkXCe793T4Fu24SYeUTBl-2BPV3=
sgVJWQ3iiT39g1fwsi8fgxy3jCcg1wbDpq2KpcZ5bg01POnK59HpvY9RiTjjNDLr75lDf0yVlDr=
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TfHfu4Foh9KD0sNIj32lP-2BGyPRFdNmUo0CZaU7OQpXZHr-2BnvYSwyzHAOqtsdoEN-2BR5XAY=
E6QMIIAvHYVBbzmAGll-2FDdlVFO1ITgEmY4QOlOrfVibD-2FY6h8A8y7uiDGYv8NI-2Fxb-2Bs=
W1LpTaJR3rDyu6iMUkqc9CXVlBsoanxJc-2Bs6qlvHFHpLwHJiK8yd-2FiHlJthUFVsnfuUfz5d=
OOUI9J5BU3IiQ-3D-3D" target=3D"_blank" style=3D"-ms-text-size-adjust:100%; =
-webkit-text-size-adjust:100%; color:#fff"><img src=3D"https://cdn1.affirm.=
com/assets/messages/master/dist/img/v2/affirm-logo-white.png" alt=3D"Affirm=
 Logo" width=3D"150" border=3D"0" style=3D"-ms-interpolation-mode:bicubic; =
border:0; height:auto; line-height:100%; outline:none; text-decoration:none=
; display:block; max-width:100%" height=3D"auto"></a>
                                    </td>
                                </tr>
                            </table>
                        </td>
                    </tr>
                    <!-- //LOGO -->
                   <!-- BODY -->
                   <tr>
                       <td align=3D"center" style=3D"-ms-text-size-adjust:1=
00%; -webkit-text-size-adjust:100%; mso-table-lspace:0; mso-table-rspace:0"=
>
                        <table align=3D"center" cellpadding=3D"0" cellspaci=
ng=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" style=3D"-ms-tex=
t-size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0; mso-=
table-rspace:0">
                            <tr>
                                <td align=3D"center" style=3D"-ms-text-size=
-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0; mso-table-=
rspace:0; padding:50px 24px">
                                    <table align=3D"center" cellpadding=3D"=
0" cellspacing=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" styl=
e=3D"-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-ls=
pace:0; mso-table-rspace:0">
                                        <tr>
                                            <td class=3D"f32" align=3D"cent=
er" style=3D'-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-=
table-lspace:0; mso-table-rspace:0; color:#101820; font-family:"Calibre", A=
rial, sans-serif; font-size:40px; font-weight:600'>
                                            Timothy, avoid further reportin=
g by getting current
                                            </td>
                                        </tr>
                                        <tr>
                                            <td class=3D"textlink" align=3D=
"center" style=3D'-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%;=
 mso-table-lspace:0; mso-table-rspace:0; color:#101820; font-family:"Calibr=
e", Arial, sans-serif; font-size:16px; font-weight:400; line-height:175%; p=
adding:40px 0'>
                                            Your account is nearing 65 days=
 past due, at which point your delinquency may be reported. <strong>Resolve=
 your outstanding payment(s) today.</strong>
                                            </td>
                                        </tr>
                                        <tr>
                                            <td align=3D"center" style=3D"-=
ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0=
; mso-table-rspace:0">
                                                <table class=3D"em_fullwidt=
h" align=3D"center" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=
=3D"66%" role=3D"presentation" style=3D"-ms-text-size-adjust:100%; -webkit-=
text-size-adjust:100%; mso-table-lspace:0; mso-table-rspace:0">
                                                    <tr>
                                                        <td class=3D"mso_bo=
rder" align=3D"center" style=3D"-ms-text-size-adjust:100%; -webkit-text-siz=
e-adjust:100%; mso-table-lspace:0; mso-table-rspace:0; border:1px solid #f4=
f4f4; border-radius:12px; box-shadow:0 4px 4px #AAA; padding:30px 24px">
                                                        <p style=3D'-ms-tex=
t-size-adjust:100%; -webkit-text-size-adjust:100%; margin:0; padding:0; col=
or:#101820; font-family:"Calibre", Arial, sans-serif; font-size:18px; font-=
weight:400; line-height:150%'>Business Name: <strong>Amazon</strong></p>
                                                        <p style=3D'-ms-tex=
t-size-adjust:100%; -webkit-text-size-adjust:100%; margin:5px 0; padding:0;=
 color:#890A03; font-family:"Calibre", Arial, sans-serif; font-size:18px; f=
ont-weight:400; line-height:150%'>Payment Due: <strong>$28.04</strong></p>
                                                        <p class=3D"textlin=
k" style=3D'-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; margi=
n:0; padding:0; color:#101820; font-family:"Calibre", Arial, sans-serif; fo=
nt-size:18px; font-weight:400; line-height:150%'>Due Date: <strong>Mar 4, 2=
026</strong></p>
                                                        </td>
                                                    </tr>
                                                </table>
                                            </td>
                                        </tr>
                                        <tr>
                                            <td align=3D"center" style=3D"-=
ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0=
; mso-table-rspace:0; padding-top:50px">
                                                <table width=3D"190" align=
=3D"center" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presen=
tation" style=3D"-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; =
mso-table-lspace:0; mso-table-rspace:0; max-width:100%">
                                                    <tr>
                                                            <td bgcolor=3D"=
#4A4AF4" align=3D"center" style=3D'-ms-text-size-adjust:100%; -webkit-text-=
size-adjust:100%; mso-table-lspace:0; mso-table-rspace:0; border-radius:99p=
x; color:#101820; font-family:"Calibre", Arial, sans-serif; font-size:24px;=
 font-weight:600; line-height:24px; mso-padding-alt:15px 0'>
<a href=3D"https://url1445.affirm.com/ls/click?upn=3Du001.Bez53ivsbSplFpdi7=
lgqCcYp4PMwvOPOhDcRjUWFLzgmU5-2BSQOCyVFJfBVZ-2FpycC0luEJIT0zTsKfz5IEvbOQ-2F=
LYykawzXrx3BecyhfJW-2Fsz62LvCi8rI9X3i-2FhcbqiovoWXKKEm-2B12vorAfsz9pD5xjxdh=
jBsdGW6m1OHZiJXNCaQwEHKEpOZu3HtvvtrFeUuMS1ZcDdxM2pvY1ix-2Bl9sUWs0E94MqbkDv9=
PVcN-2FsSrQgleBwY-2BX3z-2BI9-2BMn4MG5WezIZG-2Fzkm6TbYEERV4eTYScDBeptV9cxI6b=
lRHBUAUjj60TSfL0ifW8-2FCYIevqcGw8nPDDxnZu8j2j8owTYx5BaBDdu5P5r3HRPB2RuJoNP0=
5zFXf63vw73kuwiXCExbwd_Rp1oF-2B94kLqdQYeiHZJJNy7edAs5e4zrNVm36Mi3FeD0SbcJqu=
7CGaaIsjcsoTiFxN-2Ff4ZWNTPvTbZtSQ7eOPPxACMpmBdZzlUFNVltqhLAmBUtDSf9izVbQPt3=
C9cW79ByZMjWicsNMQZ2wUESIuRS5o0Ub5N52dL02X6v4xKXdBZsLXtxsiPvJyzon96G7dw7Do6=
fuMuaaMUVDTb1eb0m77Sre3H7kFDd-2FSdBpguaXvXUUJwIdOjwbjvrknVrHkgn2w-2F4SYlUbK=
8-2Ft8mJA9GWbFx6C-2FE35aCXmkR7pW5MA2iGtyZqG23B43eTfHfu4x8vRyAMi4WozXsKccj5i=
burx5RB-2F61NQFyI89GEEhn3OgWBq-2BKUvGXVack5QNTvpDRXSpVao4bY1ygWlSWhdrlapSKM=
OyZZrHGAv4Z5xCf-2BNDCyZ4af4Jm9n5ZrZVueoh0Lz4DZXHvYjp1x7JOOVZeZa6VuzRIx9YwTR=
TsK6CFXYQGVaebymFTMOASz1Usb7QgFvsVrnlWeDcYb-2BR9mn4g-3D-3D" style=3D"-ms-te=
xt-size-adjust:100%; -webkit-text-size-adjust:100%; color:#fff; display:blo=
ck; padding:15px 0; text-decoration:none" target=3D"_blank">Pay now</a>
                                                        </td>
                                                    </tr>
                                                </table>
                                            </td>
                                        </tr>
                                        <tr>
                                            <td class=3D"f24" align=3D"cent=
er" style=3D'-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-=
table-lspace:0; mso-table-rspace:0; color:#4A4AF4; font-family:"Calibre", A=
rial, sans-serif; font-size:30px; font-weight:400; line-height:130%; paddin=
g:50px 0 0'>
                                            =E2=80=9CDelinquency=E2=80=9D i=
s a term used to describe debt that has remained overdue for a significant =
period of time.
                                            </td>
                                        </tr>
                                        <tr>
                                            <td class=3D"textlink" align=3D=
"center" style=3D'-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%;=
 mso-table-lspace:0; mso-table-rspace:0; color:#101820; font-family:"Calibr=
e", Arial, sans-serif; font-size:16px; font-weight:400; line-height:175%; p=
adding:50px 0 0'>
                                                A delinquent loan may be re=
ported to the credit reporting agency(ies).
                                            <div style=3D"box-sizing:border=
-box; margin-top:16px">If you've already made a payment, please ignore this=
 message. Thanks for using Affirm!</div>
                                            </td>
                                        </tr>
                                    </table>
                                </td>
                            </tr>
                        </table>
                       </td>
                   </tr>
                   <!-- //BODY -->
                    <!-- AUTOPAY -->
                    <tr>
                        <td align=3D"center" bgcolor=3D"#E1E5EB" style=3D"-=
ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0=
; mso-table-rspace:0">
                            <table align=3D"center" cellpadding=3D"0" cells=
pacing=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" style=3D"-ms=
-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0; =
mso-table-rspace:0">
                                <tr>
                                    <td align=3D"center" style=3D"-ms-text-=
size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0; mso-ta=
ble-rspace:0; padding:25px 30px">
                                        <table align=3D"center" cellpadding=
=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" =
style=3D"-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-tabl=
e-lspace:0; mso-table-rspace:0">
                                            <tr>
                                                <td width=3D"42" align=3D"c=
enter" style=3D"-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; m=
so-table-lspace:0; mso-table-rspace:0">
                                                    <img src=3D"https://cdn=
1.affirm.com/assets/messages/master/dist/img/v3/icons/phone-with-lock.png" =
alt=3D"Autopay icon" width=3D"42" border=3D"0" style=3D"-ms-interpolation-m=
ode:bicubic; border:0; height:auto; line-height:100%; outline:none; text-de=
coration:none; display:block; max-width:100%" height=3D"auto">
                                                </td>
                                                <td class=3D"f22" align=3D"=
left" style=3D'-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; ms=
o-table-lspace:0; mso-table-rspace:0; color:#101820; font-family:"Calibre",=
 Arial, sans-serif; font-size:24px; font-weight:400; line-height:125%; padd=
ing-left:25px'>
                                                    Simplify your payments.=
 <a href=3D"https://url1445.affirm.com/ls/click?upn=3Du001.Bez53ivsbSplFpdi=
7lgqCcYp4PMwvOPOhDcRjUWFLziGFC3k-2B-2F4Oa6RlaaQyGzFh6WU-2FZtMK5r8oMoB8svWzg=
zAwQzPww47HPute2zHPS-2Fg-2B2RmuPlIelvmnFSczyZ6cgRq8Hh8-2FPvYvIzpJD3IduvzeWP=
4AlyCTBE9VOSQoKRF3-2BoVVy-2B1FksU58vSFuOwAI8-2FEFodeyawxO4U8hHfH6eDS1KlSnaK=
7BMEA1nmOAFdZj73ka5nsbEQhFGH3rRzyVIAWgN8EzwvaPLW3eKxL38rb6x-2FxLTe1oTnLcKcl=
96ic0-2BkMsJfMdh1KRwsg0gpJL-2BmGS8X9pF7Xfks0822QeY-2BarTpzLCxF-2FDvKi4uqg8g=
coR5ZgfNbV-2BkWADZlIUyCOHulX4mRjZsNZhnjtWcDRQ-3D-3D0ao6_Rp1oF-2B94kLqdQYeiH=
ZJJNy7edAs5e4zrNVm36Mi3FeD0SbcJqu7CGaaIsjcsoTiFxN-2Ff4ZWNTPvTbZtSQ7eOPPxACM=
pmBdZzlUFNVltqhLAmBUtDSf9izVbQPt3C9cW79ByZMjWicsNMQZ2wUESIuRS5o0Ub5N52dL02X=
6v4xKXdBZsLXtxsiPvJyzon96G7dw7Do6fuMuaaMUVDTb1eb0m77Sre3H7kFDd-2FSdBpguaXvX=
UUJwIdOjwbjvrknVrHkgn2w-2F4SYlUbK8-2Ft8mJA9GWbFx6C-2FE35aCXmkR7pW5MA2iGtyZq=
G23B43eTfHfu4wRnDhpswdHIW9sRtNpTkslLztVQR9VyL9cmrP286oCrbVZxgrGyAONDmUcPqZC=
0fOXKNX0o4PYe-2FfmFwTiOPXGpseKSKwL43-2Bfg7KrnYM-2BjXpjoegssiPWxr6zEDKvLc9SZ=
KA06afsZXmhf6sv5tJZu82vf5te81YZ6UGCbJIavB0lkAiQPzTfr29wTUOzHB3jCVIRDt9JZQYL=
g-2FXPNiVA-3D-3D" target=3D"_blank" style=3D"-ms-text-size-adjust:100%; -we=
bkit-text-size-adjust:100%; color:#4A4AF4; text-decoration:underline">Turn =
on AutoPay</a>.
                                                </td>
                                            </tr>
                                        </table>
                                    </td>
                                </tr>
                            </table>
                        </td>
                    </tr>
                    <!-- //AUTOPAY -->
                    <!-- FOOTER -->
                    <tr>
                         <td align=3D"center" style=3D"-ms-text-size-adjust=
:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0; mso-table-rspace:=
0">
                            <table align=3D"center" cellpadding=3D"0" cells=
pacing=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" style=3D"-ms=
-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0; =
mso-table-rspace:0">
                                <tr>
                                    <td align=3D"center" style=3D"-ms-text-=
size-adjust:100%; -webkit-text-size-adjust:100%; mso-table-lspace:0; mso-ta=
ble-rspace:0; padding:50px 24px 50px 24px">
                                        <table align=3D"center" cellpadding=
=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" =
style=3D"-ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; mso-tabl=
e-lspace:0; mso-table-rspace:0">
                                            <tr>
                                                <td class=3D"textlink" alig=
n=3D"center" style=3D'-ms-text-size-adjust:100%; -webkit-text-size-adjust:1=
00%; mso-table-lspace:0; mso-table-rspace:0; border-bottom:1px solid #21218=
9; color:#101820; font-family:"Calibre", Arial, sans-serif; font-size:16px;=
 font-weight:400; line-height:175%; padding:0 0 40px 0'>
                                                <strong>Thanks for using Af=
firm!</strong>
                                                <br><br>
                                                <span style=3D"color:#6D6E7=
1; font-style:italic;">This communication is an attempt to collect a debt a=
nd any information obtained will be used for that purpose. We may report in=
formation about your account to credit bureaus. Late payments, missed payme=
nts, or other defaults on your account may be reflected in your credit repo=
rt.</span>
                                                </td>
                                            </tr>
                                            <tr>
                                                <td class=3D"textlink" alig=
n=3D"center" style=3D'-ms-text-size-adjust:100%; -webkit-text-size-adjust:1=
00%; mso-table-lspace:0; mso-table-rspace:0; color:#101820; font-family:"Ca=
libre", Arial, sans-serif; font-size:16px; font-weight:400; line-height:175=
%; padding:40px 0 0 0'>
                                                Loan ID: <strong>XU7I-X2JS<=
/strong>
                                                <br><br>
                                                If you need help, call <a h=
ref=3D"tel:+18554233729" style=3D"-ms-text-size-adjust:100%; -webkit-text-s=
ize-adjust:100%; color:#4A4AF4; text-decoration:none; font-weight:600">(855=
) 423-3729</a>, or <a href=3D"https://url1445.affirm.com/ls/click?upn=3Du00=
1.Bez53ivsbSplFpdi7lgqCcYp4PMwvOPOhDcRjUWFLzh0IPVLPbAm7Q-2FzjVelTAyTpps2DAx=
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