26/04/2025
Credit Tip 💡
I don’t know who needs to hear this, but SELF is like a credit personal trainer - it helps you build credit muscle, not fix old injuries. If you have negative items on your report, don’t expect SELF to magically make them disappear. It can help boost your score, but lenders can still see those pesky late payments, repos, evictions, etc.
Newsflash: there’s no shortcut to good credit. I know people with a 700 score who still needed a co-signer and got stuck with high interest rates. Ouch. If you’re a credit newbie, SELF is a great way to start building... but if you’re trying to remove negative items, you’ll need to go through credit restoration - no ifs, ands, or buts.