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Are there Any Services Like Self-Lender?

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Valued Contributor

Are there Any Services Like Self-Lender?

Hello, fellow myFicoers! Cat Tongue

 

I hope everyone in the EST (and other timezones, of course) is have a great morning! Smiley Happy

 

Could you guys tell of any credit-builder loans out there that do not require a deposit, is not a credit union, and does not require a credit check?

 

Thanks! Smiley Wink

Message 1 of 7
6 REPLIES 6
Community Leader
Super Contributor

Re: Are there Any Services Like Self-Lender?

Why do you want another? You only need 1







Message 2 of 7
Valued Contributor

Re: Are there Any Services Like Self-Lender?


@Brian_Earl_Spilner wrote:

Why do you want another? You only need 1


True, but I like the idea of positive reporting and being forced to save money. I know getting another one won't help my score, but I am too gosh darn desperate.

 

I will hold off.

 

Smiley Wink

Message 3 of 7
Valued Contributor

Re: Are there Any Services Like Self-Lender?

Desperate for what? If motivation to save is what you're desperate for, look into opening specialty accounts with upper limits like Netspend (5% < 1k but you can open 5 accounts), DCU savings (5% < 1k), Mango (6%<5k) or Premier Members FCU (4% < 2k) ...etc., throw $50 into each account initially, then it becomes a game and a great motivation to fill up those accounts.
Message 4 of 7
Established Member

Re: Are there Any Services Like Self-Lender?

www.creditstrong.com.
Just got approved by them like 30 minutes ago.
Did a temp unfreeze of chexsystems (24hrs) before applying for SelfLender. I thought the freeze might cause a denial , so did a temp unfreeze. Got denied anyways.
By the time I applied for creditstrong, freeze was back on and just got approved for their basic 24mth.
Rebuilding as of March 1 2019

FICO SCORES AS OF MARCH 18 2019 TU 493|EQ 447| EXP 501
FICO SCORES AS OF APRIL 20 2019 TU 526|EQ 505|EXP 503 (NCD not reporting on EQ-working on being fixed)
FICO SCORES AS OF MAY 28 2019 TU 562|EQ ??|EXP 513 (NCD still not reporting on EQ-working on being fixed)
SHORT TERM GOAL:- TU 680| EQ 680| EXP 700
LONG TERM GOAL:- TU 820|EQ 800|EXP 840

OPEN ACCOUNTS
NCD Financial-$1000 ($500SL)|CreditStrong (SelfLender competitor)-$500 loan/24mth term|MoneyLion-$500/12mth term loan|Dsxdesign-$5000SL (not yet reporting)
AU:- $25,000 Discover CC (TU & EXP only. Reading as open ONLY on TU though. Not sure what's going on here....)

Working on opening:
MyJewelersClub-$5000 CL/NewCoastDirect-$5000 CL

MAJOR GOAL CARDS
Wells Fargo Secured Credit Card/Chase Disney Rewards/Amazon Prime Rewards/Barclays Apple Rewards/Barclays NFL Extra Points/CapOne QS/CapOne VentureOne/SaksFifth MasterCard (CapOne)/Neiman Marcus Store Card (CapOne)/MoneyLion CC/Discover IT Cash Back/AMEX Cash Magnet/Best Buy Citi Credit Card
Message 5 of 7
Established Contributor

Re: Are there Any Services Like Self-Lender?


@Godsdaughter wrote:
www.creditstrong.com.
Just got approved by them like 30 minutes ago.
Did a temp unfreeze of chexsystems (24hrs) before applying for SelfLender. I thought the freeze might cause a denial , so did a temp unfreeze. Got denied anyways.
By the time I applied for creditstrong, freeze was back on and just got approved for their basic 24mth.

Thanks for the link!!











Current

Goal Cards

Message 6 of 7
Established Member

Re: Are there Any Services Like Self-Lender?


@800FICOGoal wrote:

@Godsdaughter wrote:
www.creditstrong.com.
Just got approved by them like 30 minutes ago.
Did a temp unfreeze of chexsystems (24hrs) before applying for SelfLender. I thought the freeze might cause a denial , so did a temp unfreeze. Got denied anyways.
By the time I applied for creditstrong, freeze was back on and just got approved for their basic 24mth.

Thanks for the link!!


You are welcome.

Rebuilding as of March 1 2019

FICO SCORES AS OF MARCH 18 2019 TU 493|EQ 447| EXP 501
FICO SCORES AS OF APRIL 20 2019 TU 526|EQ 505|EXP 503 (NCD not reporting on EQ-working on being fixed)
FICO SCORES AS OF MAY 28 2019 TU 562|EQ ??|EXP 513 (NCD still not reporting on EQ-working on being fixed)
SHORT TERM GOAL:- TU 680| EQ 680| EXP 700
LONG TERM GOAL:- TU 820|EQ 800|EXP 840

OPEN ACCOUNTS
NCD Financial-$1000 ($500SL)|CreditStrong (SelfLender competitor)-$500 loan/24mth term|MoneyLion-$500/12mth term loan|Dsxdesign-$5000SL (not yet reporting)
AU:- $25,000 Discover CC (TU & EXP only. Reading as open ONLY on TU though. Not sure what's going on here....)

Working on opening:
MyJewelersClub-$5000 CL/NewCoastDirect-$5000 CL

MAJOR GOAL CARDS
Wells Fargo Secured Credit Card/Chase Disney Rewards/Amazon Prime Rewards/Barclays Apple Rewards/Barclays NFL Extra Points/CapOne QS/CapOne VentureOne/SaksFifth MasterCard (CapOne)/Neiman Marcus Store Card (CapOne)/MoneyLion CC/Discover IT Cash Back/AMEX Cash Magnet/Best Buy Citi Credit Card
Message 7 of 7
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