Impact Credit Scores - Self 4+

The Self Credit Builder personal loan(CD) has been an incredible journey to rebuilding my credit score after personal reasons not only took my credit score from a 780 to a 355, but I was unable to even get any type of Fico score to see what and how I could improve and recover from my credit devastation. After I signed up for one of their account options not only did my credit score continue to improve to over 111 points in a very short time(much shorter than “unnamed” companies promising promise’s they did not deliver and/or do nothing but take money with no results. I also was granted a secured Self VISA-an actual Visa card as well as with all on time payments you can be rewarded with additional unsecured amounts added for keeping up the good work! I also started to receive PRE-APPROVED offers from other credit cards ect. That helped build my credit up and am looking to build a home WOW Self also has a plethora of knowledge that u can access. Their customer service is excellent. Truly, they have changed my life and I continue to build up my credit score. I can not thank Self enough! Enroll, make on time payments, and watch opportunities open to you that you thought you might never get to! Thank you Self!!! With Sincerity & Gratitude,
Your Loyal customer for over a year who gave me hope again

I started off with nothing no credit never owned a credit card but somehow I guess bc of that I started with a 527. I was just like “dude I’m not doing this it’s gonna take too long” my fiancé who has passed away but he was the one who forced me to download SELF. So he was showing me the ropes and within 3 months of paying ON TIME and I have it set up to automatic payments so I don’t forget but I was so excited I saw 590. But I wanted that 6. Sure enough about 3 months later of continual making my payments without doing it bc I have it set to take $25 out automatically every month and I had a 647!!!! When he passed away in September I wanted to throw it away but why? He helped me build my credit and I am in debt to him forever. After 6 months of not looking I check it today just to see what would happen after getting increases and paying them off. I have a 704!!!!! I wish I could post pictures on here but I wouldn’t recommend anything but SELF if you are a beginner. I have capital ones sending me cards now saying I’m approved for car loans like every other freaking day, mastercards, everything. But I just want to say thank you Matt!!!! 😇 up above and a thank you to SELF for helping my credit score grow so much 🖤 thank you guys. All they want to see is CONSISTENCY!!!

If you use this correctly it will help you. But you have to put in the minimal amount of work it’s asking you to do. Set a reminder and make sure you pay your monthly amount if you don’t set up an automatic payment plan (that’s the easiest). The first time I used self I didn’t realize there was a set amount that you have to pay off, and paying it off slowly and with the same amount is the most helpful for your credit. I got it in my head that I would use the app to save money and started making payments to myself all the time but it did nothing but pay myself off earlier and ended the what’s supposed to be a year long contract early. I had to wait over a month to finally get my check which sucked because I wanted to make sure they actually paid me. I spent time making calls to them finding out where the check was. Pros. You’re essentially paying yourself to improve your credit score. Cons. Takes a while for check to come. You really screw yourself over if you miss a payment (I would imagine, so don’t miss a payment). I am about halfway through my second term and making the automatic payments.
When you end the contract your credit drops a Little bit so I started a new one and am making all on time payments to help it even more. It’s a pretty cool system. Just don’t pay it off early.