BOOST CREDIT with Self Credit Builder Loan (Self Review)

[@theredpillgospel1502]

I would recommend self as well. Used it since last year. It's fixed my fico and vantage score immediately after a couple of months. Self is one of the best!

[@samyuryc]

Mine too!

[@ContemporaryVentures]

After the 1st on time payment reported my credit score went up 87 points. I just paid my 3rd payment and set up for the credit card

[@NaamWynn]

🏦 Get Self Here 👉🏾 bit.ly/3cuKkA8 One thing I forgot to mention, the Self Visa® Credit Card has an annual fee of $25.

[@gagesterboy]

another thing is, that when you have the visa card, the money you put into the credit builder loan/savings can also be used to raise your credit limit. So for instance, if you have been paying your cerdit builder account on time and your money is building in there, theyll send you an email saying you are eligible for a credit limit increase

[@brandonjackson6089]

Was that a good idea

[@itsjustaniya]

I had self almost a month now & my score went up 75 points

[@mitchellmarkt1761]

I watched two videos before yours. You made this very clear. Keep up the good content! Thank you

[@k.c.bracey7362]

I have self. Its really great. Also got the self credit card

[@vk-hc4ho]

Do you know if the credit card remains active once it’s paid off?

[@kyreyes4289]

This definitely persuaded me to go through with making my profile. Thanks

[@gabrielsalinas2140]

Did you create a profile? and how had it affected you since?

[@konakona1703]

my new favorite youtube channel

[@Yaboy485]

I’m at A 707 FICO score because of Self alone.

[@DREadful4486]

Dang thats good how long did it take you to get that

[@stevemccollum2011]

I am on my second Self Credit loan, I had to close the first loan after a job loss but had no late or missed payments. The first loan raised my score 65 points. After I started back to work I opened another Self loan, after 6 months I got the credit card too. So far Self has helped raise my Fico over 160 points (total) Yes I had a very low score when I started. One thing you forgot to mention is there is a yearly fee of $35 for the card. Other than that you are spot on with your review

[@NaamWynn]

Holy cow! 160 points! Dang the annual fee was something I over looked and forgot to mention. Thanks for the feedback.

[@Dandelion_881]

Annual fee is $25

[@kuyaelijah474]

What monthly payment option did you choose?

[@Trippy228]

Very helpful insight thank you for sharing

[@Scratchandwin585]

My score went up 60 points with self. Next month will be my last payment with them. It's best to choose 24 month.

[@nonnamomma8673]

Hi did your credit drop after your last payment?

[@ikemonyemelukwe8478]

The one thing I am not quite sure you mentioned in this video...is if a deposit in the amount of the loan is required to get started. As is with a secured credit card or a pass book loan ?

[@Jesstheconnector]

Great Video, just applied!

[@balerinabalerina6]

How long does it take for payments to be reported?

[@TamaNatsume]

Does paying more a month help credit better. I don’t know if I should go for 35 a month or higher

[@SteinerSE]

Can you pay it down instead of paying it off (say 80-90%), keeping it open full time just with low utilization?

[@hanchardjo]

I have Self five months now rise my score 37 point so far

[@NaamWynn]

Nice. Great to hear that Kemar!

[@Qweenk25]

🤣🤣🤣

[@hanchardjo]

After I paid off self my score dropped several points. Overall there are better and cheaper ways to improve your credit score.

[@mrstl3000]

@@hanchardjo did u pay it off early?

[@hanchardjo]

@@mrstl3000 No sir. I set up automatic payment for the whole length of the loan period

[@DONTCALLMETHAT]

Self is awesome

[@louie-b5361]

Does it matter which amount you pay? Will it go up fast/more points if I do the larger number payment ? Or does it not matter

[@optimalorlando]

Credit plug mentioned Chimes credit builder is not being report by the credit bureaus anymore and wondered if self and grain would be next on the chopping block.

[@NaamWynn]

I don't think Self will be since your money is in a bank or credit union. It is similar to getting a secured loan with a bank.

[@Marco3202002]

Mine still gets reported to Experian and TransUnion. Correct me if I'm wrong Naam.

[@cutiepierita20]

3 months in and my score has gone up 71 points

[@JazzyMarineVet]

The credit reporting agencies are cracking down on non traditional trade lines. I wonder will this be another one that they dont allow to report.

[@NaamWynn]

How this is different, is that you are opening a savings or a certificate of deposit directly with the bank or credit union. More time than not, banks and credit union report. There is not legal laws that require any company to report if they don’t want too.

[@optimalorlando]

@@NaamWynnmakes sense. My Snap-on instalment loan ending soon and would like to maintain a full profile with CD from a credit union for potentially better rates.

[@robertrose3068]

I'm starting year 2 of a chapter 13 so this looks interesting. In a 13, nothing shows on a credit record.

[@SisterAyn]

So if I end it early and pay the account off will this lower my score? With the credit self loan?

[@miguelcornejo3421]

I’m mid 700’s right now but only been building for about 1.5 years. I’ve only had credit cards and I’m about to be 20 yrs old. Would this even be worth it for me? I know mix is important but if I’m mid 700’s should i still do it

[@kareemalkhaleefa4043]

Anything over 750 doesn’t really help you that much but adding more credit lines will help you

[@jasonrivera125]

What about if i make the payment one month before the due day that help the fredit score right

[@1SuperD1]

I was going to try self but I didn’t know they charge interest. I don’t think it’s worth it since you don’t get an actual loan. I think I’ll take my chances building my credit through credit cards.

[@Mommankiddo]

Yes but one questions that’s not answered is : how long would it take for the result to be shown on my credit ? It will only improve after the one year time period when I m done paying ?

[@Savage4Lyfe]

It improved mine in 1 month & I was eligible for a credit card which I applied for & got some days ago 😊. I’m currently still building but adding a few bills, such as electric & cell phone bills has helped tremendously too!

[@ArturoGarcia-er1hk]

Thank you for the videos. You are gold in my Libro 📖 ‼️👍🏼👍🏼

[@adriandutchin7889]

Self sucks they r slow and when you are done and leave the program your credit takes a big dive even if your reopen you take a gut punch 👊

[@JeysrYT]

What?

[@justinwright5841]

your credit score is always gonna take a big hit when you close a credit line since your no longer making payments, and especially if you don’t have anything else to report to the credit bureaus like another credit card or loan. that’s why it’s never really recommended to close a credit line

[@girlseagoat4012]

@@justinwright5841 this is some good information to have, thanks for that

[@daniacarter]

Self sucks don’t get them try kick off I have self for 2 months didn’t raise mines

[@CoachFats]

I just got self a couple of weeks ago. I haven’t even made my first payment and went up 57 & 39 on two of my credit reports. And I only made the $9 fee from signing up. 🤷🏽‍♂️ Kewl! 🙏🏽 I started watching vids to see others results.

[@brandongreen3242]

Self is the best

[@lucinainyene4107]

How is that possible? Did you attach other debts to it like rent, utilities etc?

[@Gmoney.]

Great video! What happens to the credit card limit after you have paid the loan off and get the payout afterwards?

[@Victorceballos55]

Excelente thank you

[@ronaldopedroso211]

After 11 payments I decided to cancel and will be 3 weeks to get $138.00 back.

[@myadna]

New here… so if I got the app and now can quality for a captial one credit card will that interfere with the self app?

[@NaamWynn]

No

[@deveng7766]

Would this be a good loan to add to your credit card mix cause I have a lot of credit cards but no car loans or morgage,I’m trying to find a way to raise my credit score more versus just credit cards reporting each month.

[@NaamWynn]

It definitely may help since you have no other types of credit mix.

[@deveng7766]

Due they pull soft inquires or hard inquires I already have a 698 Fico score excellent with my credit cards just need a longer age history and credit mix

[@NaamWynn]

@@deveng7766 It's a soft pull.

[@deveng7766]

Thanks again Fam

[@deveng7766]

@@mike-uw6wt excellent thanks for the info exactly what I was looking for

[@vk-hc4ho]

Once it’s paid off, does your credit card stay open ?

[@gagesterboy]

yes

[@djahpxd]

absolutely NOT!!! After i finished paying they closed my account and my credit dropped 100 points

[@WavvyBul]

Thank you thank you thank you I already have the app just needed the proper explanation 💯💯

[@nailarae3633]

I had a collection deleted in Sep 2019 and Sep 2020 it appeared again What should i do?

[@patricknguyen3996]

Send me a message7 6 0 2 9 7 6 0 2 3

[@claudettefolsom1509]

Yes took 20dys l discovered self wants and does keep 8.87 of 36.35 interest rate 9.57 admin fee each month l didn't do a month

[@leightonwatts3757]

How to keep the account open with when im done with pay loan payments

[@ericralford3398]

Self is the way to go!!!!!

[@Mariah_678]

I got Self about 3 or 4 months ago. My score has not changed at all. Thinking about cancelling

[@Yaniv_Israel]

Mine only increased 22 points after 6 months with on time payments and the credit card

[@shawnzubrzycki]

How long does it take to report as a payment on my credit report? I have self and credit strong.

[@shawnzubrzycki]

@@mike-uw6wt thanks it's been almost a month

[@patricknguyen3996]

I’ll do it for you

[@sabrinaadams8871]

What if you have other credit cards. Im in good standards but still need to raise my score

[@naamwynn9081]

For more assistance send a message via maiI thanks

[@Jbones129]

Does your credit increase more the higher the monthly payment?

[@AltoTheGod]

I dont imagine it does because with credit cards you get the same points for paying off $5 balances that a different person would for paying off $5000 balances

[@Kdth3wiz]

@@AltoTheGod as long as you stay under that 30 percent utilization you go over that someone who's pay 5 bucks opposed to the 5000 will see a big difference in credit point raises

[@terrell6046]

I paid my credit on time for 3 months and It says I can have a card now but is it necessary or unnecessary?

[@NaamWynn]

It’s an additional revolving line of credit. If you don’t have any then it’s worth it

[@terrell6046]

@@NaamWynn ok thanks so im good I always pay on time I will continue to do so

[@Khymelder]

Thanks

[@tonya8315]

I had a self loan and when it ended after 1 year my score dropped. Dont do it

[@NaamWynn]

It’s most likely not due to self. Initially maybe, due to having more debt. But as long as you made payment’s on time it should have helped.

[@cheftoun7701]

Whenever you pay off a loan, any loan, your vantage scores drop, not so much your fico scores.

[@bearbear4030]

@@cheftoun7701 go for the 24 month, it stays 2 years

[@italislife7461]

@@bearbear4030 Yes 24 is better than 12mo

[@rossfisher2348]

Does your credit score go up more if you do the 48 months or does it not matter

[@tyrusch]

It shouldn't matter. Whatever gain you see will be achieved by simply having the loan and that adds to your credit "mix".

[@sarahw5835]

Is this content part of a sponsored partnership?

[@kinghades]

I am so lost here..

[@Khymelder]

Ok

[@abeautifulfamily8654]

Scammmmm! I used it in 2022 they kept my money didn’t send my payout it used to work but now in 2023 it’s a scam I’m going to make a video explaining what they did

[@vinettademer135]

I don't have a good credit

[@CANDYPIECES]

Well they stealing payout money now look at the reviews

[@arianvakili8964]

Bro what happened I had a 612 score made my first payment on self and make a 1110 commercial truck payment earlier every month 3 months ahead always""" I opened a self account "" 30 days later my score dropped 51 points I'm crushed i got this card because of you dude we look up to bro how could u do this to us!!?

[@orishaphotos481]

Might as well get a secured card. Same thing.

[@silentgrind34]

Not if you can't qualify

[@orishaphotos481]

So basically I can just save my own money for a specified term and when Im ready pay my self. Lol I dont need the app to do that.

[@alcidesarguelles915]

Good luck self reporting yourself to the 3 major credit bureaus lol

[@InsaneGamingLegendz]

@@alcidesarguelles915 lmao dead ass .

[@jamesmalenfant3104]

The most annoying commercial ever. The most useless card ever.

[@fififinance7469]

Well scripted for me 💪

[@miahmarieeeeee]

Dnt trust you anymore since you miss guided us with the trade lines

[@NaamWynn]

Hey Miah, I understand your reason. I try to provide the best possible information at the time of publishing, but unfortunately, theses companies didn't work out and the credit bureaus caught on. Sorry if I missed guided you and others.

[@miahmarieeeeee]

@@NaamWynn apology accepted

[@djahpxd]

After I finished paying the fool amount they returned the money to my account then reported as "Closed Account" then my credit fell 100 point on transUnion and 60 on equifax! Total waste of money and time!!!!

[@UnStOpPaBlE187killer]

My payment’s due date is on the 19 of each month. Should I pay the amount earlier than the due date ?

[@NaamWynn]

Earlier or the same day.

[@bigtymerzs456]

They report late payments after 30 days of non payment