Anybody need help building or fixing their credit?

[bnew]

Self is cheap..you can't afford $25 a month breh?

thats not the cost i'm concerned with. it's the $54/year that they charge for their service. i was actually looking at their $150/month plan which charges $146/year for the same exact service. my score is good but i have no loans on my report and i wanted to just diversify it, not sure if its worth it though.

 

[bnew]

kikoff is the cheapest you can get it’s free

dapped & repped

Build Credit for Free, No Credit Check, Instant Approval | Kikoff

Kikoff Credit-Builder Loan Review 2020 - NerdWallet

Kikoff vs. Self
Self is a lender that also offers credit-builder loans as well as a secured credit card to help people establish credit. Self is available in all 50 states; Kikoff doesn't lend in Delaware, Idaho, Indiana, Louisiana, Maine, Mississippi, Nevada, North Dakota and Rhode Island.

Self isn't free; you have to pay an administrative fee for its credit-builder loan as well as a finance charge. It has a much higher loan amount, starting at $600 and going up to $1,800. With Self, you can establish credit and build savings at the same time.

Unlike Kikoff, you don't have access to the loan money immediately. Instead, Self places the money in a certificate of deposit account and releases it to you when you finish making monthly payments for the loan term.

You can pay your loan back early at both lenders if you have established a good credit score and are ready to apply for traditional loans or credit cards.

 

[Flu Game502]

thats not the cost i'm concerned with. it's the $54/year that they charge for their service. i was actually looking at their $150/month plan which charges $146/year for the same exact service. my score is good but i have no loans on my report and i wanted to just diversify it, not sure if its worth it though.

Idk about the other credit builder loans but self has been good to me. As long as they accurately report to the three credit bureaus im good.

 

[1970s HeRon Flow]

I got about 10k in debt from 5 years ago on cards I defaulted on, been waiting them out, got 2 credit cards now from Capitol one but my score won't go up, even after 18 months

One of the cards I defaulted on is a store one from them shady chains and I think they just keep reporting the balance instead of just taking a loss , or atleast I think that's what's going on, I might need to pay someone to look at my debt n tell me exactly wats going on, cuz I'm doing great now, and my utilization is great, but my score is stuck at 610 n won't go up

 

[L&HH]

I gotta question so I have a defaulted cats of like $1900 from almost 7 years ago. I called and they willing to settle on $1100 but it’s isn’t a pay and delete. I’m tryna get this security clearance and they had questions about my credit m. Should I agree to the settlement so I can just send that paperwork to my investigator of my clearance or does it not natter?

 

[Flu Game502]

I got about 10k in debt from 5 years ago on cards I defaulted on, been waiting them out, got 2 credit cards now from Capitol one but my score won't go up, even after 18 months

One of the cards I defaulted on is a store one from them shady chains and I think they just keep reporting the balance instead of just taking a loss , or atleast I think that's what's going on, I might need to pay someone to look at my debt n tell me exactly wats going on, cuz I'm doing great now, and my utilization is great, but my score is stuck at 610 n won't go up

Take care of some of the negative/derogatory items breh and your score most likely will jump.

 

[Flu Game502]

I gotta question so I have a defaulted cats of like $1900 from almost 7 years ago. I called and they willing to settle on $1100 but it’s isn’t a pay and delete. I’m tryna get this security clearance and they had questions about my credit m. Should I agree to the settlement so I can just send that paperwork to my investigator of my clearance or does it not natter?

If its been in collections almost 7 years then it should be ready to fall off your report.

You can also request an early expulsion from the credit bureaus breh but don't settle imo. The collection agency is trying to play you.

 

[L&HH]

If its been in collections almost 7 years then it should be ready to fall off your report.

You can also request an early expulsion from the credit bureaus breh but don't settle imo. The collection agency is trying to play you.

Nah it's the bank. I don't wanna do it the only thing is I got a security clearance (it's public trust so not that serious) I'm trying to get and they sent me something I need to respond to them to regarding my credit and that was one of the items on there, the other stuff was student loans so not a big deal. But fukk it I'm not paying it and Im just going explain to the investigatot it's an old debt.

 

[Flu Game502]

Nah it's the bank. I don't wanna do it the only thing is I got a security clearance (it's public trust so not that serious) I'm trying to get and they sent me something I need to respond to them to regarding my credit and that was one of the items on there, the other stuff was student loans so not a big deal. But fukk it I'm not paying it and Im just going explain to the investigatot it's an old debt.

Yea..just see how it goes..goodluck breh

 

[Flu Game502]

Im up to 686..seven months in

 

[CouldntBeMeTho]

Im up to 686..seven months in

Does paying it off immediately do anything or is it just wiser to pay month after month?

 

[Flu Game502]

Does paying it off immediately do anything or is it just wiser to pay month after month?

Pay it month to month as planned just like you would do with an auto loan. It helps build your credit history which is good if you are looking to buy a house or car breh

 

[brooklyn_boulevard]

I literally just got my check from them yesterday. I may use that money to redo it again. I wanna be in the 800 club

Me too

 

[brooklyn_boulevard]

800 gang over here playboi

Any tips to get there?

 

[-deleted-]

What’s the point of getting to 800? I heard after 750 you pretty much set for everything

still a rookie at this