Self - Credit Builder 4+

So happy to build my credit

A couple of years ago I got injured. Lost my job without getting fired and I’m still technically on CVS’ payroll system because they send me checks whenever there is a lawsuit against them. I have alerted their team as well as my old store manager of this several times. I’m still on it, whatever I don’t care. I’m just happy that after I had to max out all of my credit cards until I got another steady job a year later. I am now back up to 534 (which isn’t great but) after the pandemic hit it made it harder. Self has been helping tremendously, that 534 is coming back up from 289... I was disgusted seeing that after getting my score up to 702 at 20 years old. 289 at 23 and now 534 at 25. Thank you self, thank you for reading this if you did. I hope it helps you as much as it has helped me. I can’t wait to get the loan at the end of the term. It’s honestly kind of like getting a tax return when you think about it while boosting your credit. There’s no drawback. Even if you think about it in a negative way, your paying into boosting your credit and getting 95% of your money back? What’s negative again? By the way. It also has APR/APY. So at the end of the term you get more money than what you put in. I just noticed this. It started out at $1663 it now has more in it.

Helpful Tool

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.

It works and it works great!

So yeah, wow, it works! I spent my 20s and 30s making wrong decisions that hurt my credit. Now that I'm in my early 40s, I have started being serious about getting a good credit score, and on my way to that 800+ score still got a little ways to go lol... My score was low 500’s. The best thing you can do is start with SELF and comment on one of their affordable monthly plans. It's straightforward to set up and understand. Then get a secured credit card. SELF offers one. Pay your bills on time every month. In 6 months, you will start getting offers from all kinds of credit card companies. SELF has a credit card company that will match you with cards you have a great chance of pre-approval that will be approved. But seriously, if you want to build good credit the fastest way possible, SELF is your one-stop shop. Be patient. Nothing great happens overnight. It does take a little time, but as I said, pay your bills on time, don't start trying to apply for everything and end up with hard inquiries all over your credit report research. You will see why. It's fun to watch your score keep going up. SELF is a Great company, and I am happy to be a customer, and I would recommend it to any and everyone. Thanks, Self….

Developer Response ,

Thank you for taking the time to share your kind words with us. You're gaining knowledge and building your credit at the same time. If you have any questions or need assistance in the future, don't hesitate to reach out!