My Pretty Embarrassing Credit Situations: Started Out Ugly

In 2017 I had a major life setback, losing his father to “medical misadventure”, getting injured and contracting Lyme disease within a span of months. I was left severely depressed, sick and in financial ruin. But I started picking himself up, returned back to college as a non-traditional student (best decision ever and at 47 thank you). But the ball was already rolling down hill. I struggled to keep a roof over my head, and of course my car broke down (it was a Mini Cooper…need I say more). I owed on it, and the bank needed their money. My credit was in the toilet and I was eating out of the STCC student food pantry. Unable to work, and worker’s comp was starving me out. Non-stop medical appointments and daily pain.

But I decided to join Self Lender to start rebuilding his credit and in March 2021 I started a Self Credit Builder and Secured Credit card. It was a humble process starting with small monthly payments. A few months in, I decided to start a credit card which (if memory serves me I started a card with $100) I paid on the credit builder savings account every month along with the card, it was like $50/mo total, and at the end of a year I had about $750 after fees. So instead of drawing out that money, I applied it to my credit card, now I have a credit card with a $750 limit. Granted, it’s a secured card, but the payments are not too bad…and look at my score! 🙂 I highly recommend Self Financial for those seeking to get back on their feet. And believe me, I was down and out. If I can get back on my feet, almost anyone can.

When Covid hit, college closed and I was suddenly shut-in, rehabing some of the many stray cats that were a result of Covid19, and I started writing short stories for my site and and developing shopping site. I studied during lockdown and discovered Web 3 and started investing in that space. Within several months my credit score shot up 66+ points. And I thought. That was a great ride…now it’s over. Now granted my situation is different than most, and your results may vary. This is just my anecdotal experience. This is why I’m recommending Self Financial Services. There were many wonderful people to help me get back on his feet of course, but the best help I got was from my own person. It really did build up my confidence to join Self Financial. Sometimes life is unpredictible, and we all stumble sometime, still very often the best helping hands is at the end of your own wrists.

And guess what? I’m still building my business and I’m a tech entrepreneure (aspiring) and even at 52, it’s never too late to start. Give yourself credit for all you have survived and have overcome. You can do it….you got this!

Year 1, Up as of March 12, 2022
Shared with Your friends on FB: (this is my actual post from March 12th)
Self financial is a good service. I have been with them a year and my #CreditScore has gone up 62 points in one year! I got the Credit Builder Savings and a secured credit card. I had a series of unfortunate circumstances in 2017, and my credit went from excellent to in the toilet. But in 2021 I finally started getting back on my feet. No shame in starting over. None at all.

About 16 Months In: HERE IS THE RECEIPT.

The importance of managing credit responsibly and staying on top of payments cannot be overstated. A few tips to help manage credit responsibly include making and keeping a budget, comparing credit card offers, and protecting your credit from identity theft. It is also important to use credit cards to build credit and monitor your credit score regularly.

Making and keeping a budget is essential for managing credit responsibly. It allows you to keep track of your spending and make sure you are able to pay your bills on time. When comparing credit card offers, it is important to look at the interest rate, annual fees, rewards and other features to make sure you are getting the best deal. Additionally, it is important to protect your credit from identity theft, which can have a major negative impact on your credit score.

Using credit cards to build credit is a great way to improve your credit score. It is important to make sure you are using credit responsibly and paying off your balance in full every month. Additionally, it is important to monitor your credit score regularly to make sure it remains in good standing.

There are many resources available for those who want to learn more about credit and credit management. Websites such as Credit Karma, Experian, and TransUnion are all great sources of information. Additionally, there are many books, podcasts, and online courses available that provide helpful advice and tips on credit and credit management.

I’m now up over 100 points since I started Self Financial in March 2021. I’m still on the journey, and I’m not done yet. If you are looking to rebuild your credit, I highly recommend Self Financial. It’s easy to use and you can track your progress. Plus the customer service is super helpful. They’ve even waived fees for me when I needed it. It’s really been a blessing and given me a lot of confidence to move forward. With Self Financial, I’m finally rebuilding my credit from scratch and feeling empowered.

About 16 Months In:  HERE IS THE RECEIPT.



****Diclaimer: The following is not financial advice. It is me sharing my anecdotal first-hand experience with Self Financial, your results may vary, contact a professional advisor before making any financial moves.******