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Trapped by Fico

“Self Financial” for building credit

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Does anyone know anything above this company? Are they legit and helpful? Or is a secured card a safer way for someone to build credit?

 

Thanks!

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1 hour ago, Trapped by Fico said:

 

Does anyone know anything above this company? Are they legit and helpful? Or is a secured card a safer way for someone to build credit?

 

Thanks!

bcca3143d2c6bf83ba624f5511e0647b.png

 

 

Sent from my iPhone using Tapatalk

 

 

What clown would pay $89 for something that smells like crap on your credit reports?

 

You can get a secured card with $0 annual fee that pays YOU for using it.  

 

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For FICO scoring:

 

revolving accounts (credit cards) > installment loans (Self)

 

And it's not even close.

 

And if you already have one open installment loan (like a car loan or mortgage), another one doesn't really matter.

 

There's more nuance to the subject, but that's a good place to start.  

 

 

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6 hours ago, cv91915 said:

:)

Anecdotally, my wife and I correlate highly with this. She's OCD about charging her cell phone and gets freaked if it drops below 85%. OTOH, I've been known to let the thing completely discharge several times a month. I used to be much worse but her OCD has rubbed off on me in some areas. Wouldn't surprise me at all if there is a wider correlation with credit scores.

Edited by cashnocredit

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26 minutes ago, cashnocredit said:

:)

Anecdotally, my wife and I correlate highly with this. She's OCD about charging her cell phone and gets freaked if it drops below 85%. OTOH, I've been known to let the thing completely discharge several times a month. I used to be much worse but her OCD has rubbed off on me in some areas. Wouldn't surprise me at all if there is a wider correlation with credit scores.

I recently ran into a guy I worked with over 10 years ago.  He said that the thing he remembered most about me was that I plugged in my phone during every meeting...

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6 hours ago, cv91915 said:

I recently ran into a guy I worked with over 10 years ago.  He said that the thing he remembered most about me was that I plugged in my phone during every meeting...


1.  Porch surfer;

2.  Pink flowered jackets;

3.  OCD with battery level.  

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7 hours ago, cashnocredit said:

:)

Anecdotally, my wife and I correlate highly with this. She's OCD about charging her cell phone and gets freaked if it drops below 85%. OTOH, I've been known to let the thing completely discharge several times a month. I used to be much worse but her OCD has rubbed off on me in some areas. Wouldn't surprise me at all if there is a wider correlation with credit scores.


It's called OCD.  Battery levels, squares of toilet paper per wipe, permanent press vs. starched and ironed shirts, uniformly folded underwear and socks, uniformly hung shirts & trousers according to style & size & color, all gear (even that which you rarely, if ever use) in pristine condition and stowed in it's proper place, highly organized desk & house, ...

 

Probably little correlation with credit scores.  Big correlation on being able to survive in today's world and stay out of prison.  

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21 hours ago, Trapped by Fico said:

 

Does anyone know anything above this company? Are they legit and helpful? Or is a secured card a safer way for someone to build credit?

 

Thanks!

bcca3143d2c6bf83ba624f5511e0647b.png

 

 

Sent from my iPhone using Tapatalk

 

please... adopt a no turds allowed policy as you rebuild

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