Hey. So, I've been trying to find a buy-now-pay-later service for some gifts I want to get someone. I've got like a mid-fair credit score. My only history was one of those pay over time things I signed up for on amazon, which I did well on right up until I lost my card and was forced to cancel, and wasn't able to get it replaced until after I'd missed a payment. I immediately paid off the rest of the outstanding balance, which at that point was a month or so. Outside of that I have literally nothing.

My credit report doesn't show anything all that bad, but every pay-over-time service from affirm to eBay's little thing keep denying me. I just saw Paypal's Credit option and tried to apply for it. Was instantly rejected after putting everything in and hitting the application. I realized I didn't factor in the money I was getting for uni, and tried again. Application was denied again. Did this one more time just to be sure.

Anyways I just realized that these were hard credit checks and now I'm worried I may have fucked myself. Its been about an hour and I haven't gotten any notice yet of a credit check yet, but I'm not sure how long it takes for Experian to get these things. How bad is this going to be?