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Self - Credit Builder Vs. Lexington Law - Credit Repair

Self - Credit Builder vs Lexington Law - Credit Repair Usage & Stats

Self has the tools to impact your credit score. Build credit and savings together, get credit for renting, or apply for a secured credit card. Self is your customizable credit toolkit. Build credit, track your credit score, apply for a credit card, and more. With the Self credit app, you’ll have everything you might need to build credit. Low credit score or no credit score — get started today. At Self, all credit scores are welcome. THE SECURED CARD WITH NO CREDIT CHECK - Add the secured Self Visa® Credit Card* to your toolkit - No credit check required - High approval rates - Control your credit limit - Build credit with all 3 credit bureaus - Use everywhere Visa is accepted in the US BUILD CREDIT & SAVINGS TOGETHER - Lift your credit score by 47 points, on average‡ - Plans start at $25/mo.§ - Unlock your savings at the end, minus interest and fees - No credit score required - No hard credit inquiry, no credit check REPORT YOUR RENT PAYMENTS AT NO EXTRA COST - Increase your credit score at no cost‖ - Build credit with all 3 credit bureaus — Equifax, Experian, and TransUnion - No hard pull, no credit check - No credit card required - Establish positive payment history — credit’s #1 factor¶ - Track credit score with VantageScore 3.0¹ - Self’s fastest way to build credit² GET THE CREDIT YOU DESERVE FOR CELL PHONE AND MORE - Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.³ - Add up to 5 payments to your TransUnion credit report each month - Credit monitoring by TransUnion - Cancel any time DISCLOSURES *The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to credit approval. ‡Based on a 2024 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2023 with a starting VantageScore 3.0 under 600 and made on-time payments, saw an average VantageScore 3.0 increase of 47 by month 12. Results will vary, Self does not guarantee a score increase. Late/missed payments on other Self products and other credit obligations can lower scores even if Credit Builder Account payments are made on time. §Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.92%. Sample products are $25 monthly loan payment at a $511 loan amount, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self app or Self.inc for current pricing ‖Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent reporting. Not all bill payments may be eligible. See learn.self.inc/lpg/mpa/rent-bills-landing for details. ¶See https://www.ficoscore.com/education#WhatYour FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. ¹ Credit scores only available to customers our 3rd party vendor is able to validate. ² Payments are reported to the bureaus within 72 hours. Payments may take two weeks or more to appear on your credit report. ³ Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion. Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702

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Lexington Law - Credit Repair

Fix your credit with Lexington Law Firm. The Lexington Law app lets you follow your credit repair progress. With access to a variety of tools, you can better understand, improve and protect your credit, from your mobile device. Lexington Law is an advocate for you, the consumer. We want to make sure your credit is reported fairly and accurately. If you’ve been denied for credit, then let us help you get back on the path to approval. Credit Repair Services Unlike other credit repair companies, we obtain your credit reports from all three credit bureaus - Equifax, Experian and TransUnion. Then we work with you to establish challenge reasons for each negative item on your report. We send electronic disputes to the bureaus on your behalf and also communicate directly with your creditors. We're absolutely confident in our proven credit repair process. We've helped successfully remove over 10 million inaccurate, unfair or unsubstantiated negative items from credit reports in 2017 alone. Note: As all legal cases are different these results should not be expected and are not guaranteed. FICO® Score Many of our service levels include a TransUnion FICO® Score to help you keep track of your credit progress. FICO® Scores are involved in 90% of US based lending decisions. Focus Tracks Our credit repair services don’t simply dispute every negative item on your credit report like some other companies. Rather we use your input and life experiences to determine how to challenge each negative item. We leverage several laws and consumer protections based on your feedback to achieve results. There are many protections for consumers who’ve gone through a life event that may have affected their credit such as divorce, identity theft, military service, medical bills and mishandled student loans. If you’ve gone through one of these life events then our service is for you. Credit Reports When you sign up with our service, we pull your credit reports for all three credit bureaus. We aggregate your credit report items and present them in an easy to understand interface. Your credit report information is then used to dispute and intervene with the credit bureaus and your creditors. Credit Monitoring We monitor your credit using a set of credit monitoring alerts called ReportWatch. Our monitoring services not only alert you when something changes on your TransUnion credit report, but also gives you information and advice based on the change. Identity Theft Protection Lexington Law provides identity theft insurance up to $1MM. In addition, a few of our service levels include a thorough set of identity protection alerts and monitoring services that rival LifeLock. Digital Money Manager In addition to providing services to fix your credit, we provide tools to help manage your financial life. Similar to Mint, our digital money manager tracks your income, spending, transactions, budgets, trends, debts and net worth. About Lexington Law A trusted leader in credit repair for over a decade, Lexington Law, we help you understand your rights as a consumer in the credit space, and help you leverage those rights to ensure that you have a fair, accurate, and fully substantiated credit report. We've helped hundreds of thousands of clients repair their credit, and we're confident we can help you too. Download our app today.