How My Credit Score Is Calculated

Payment History

35%

What Is It?

"Payment history" is comprised of your current and past financial obligations (such as credit cards and mortgage payments) with a record of every on-time, late, and missed payment.

How can Self Lender help?

By paying your loan on-time, you can build positive payment history and prove to financial institutions that you can pay your bills on-time. Paying your bills on-time can lead to a better credit score.

*Calculations and break downs are based on Fair Isaac Corporation/FICO scoring. Self Lender provides Vantage 3.0 credit score from Experian data.

Bad Credit Can Be Expensive

Slide below to see how much you might save with great credit.

Aspiration	Interest Rate	Monthly Payment	30 Year Cost
Mortgage
Credit Card
Auto Loan
Personal Loan
Insurance Premium
Apartment
Employment
Assumptions: 30 year period with a $2,000 limit credit card every month; $250,000 mortgage with a 30 year term; four 48 month car loans; two $10,000 personal loans; and insurance every month.

Self Lender, Inc. makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Self Lender, Inc. of any information in any hyperlinked site. In no event shall Self Lender, Inc. be responsible for your use of a hyperlinked site.

1 Credit Builder Account — proceeds are held in a deposit account until maturity

1. All Credit Builder Accounts made by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or Atlantic Capital Bank, N.A. Member FDIC, Equal Housing Lender. Subject to ID Verification. Individual borrowers must be a U.S. Citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans subject to approval. All Certificates of Deposit (CD) are deposited in Lead Banks, Member FDIC, Sunrise Banks, N.A., Member FDIC or Atlantic Capital Bank, N.A., Member FDIC. 2. Personal Loans – proceeds are available in as little as one business days. These optional offers are not a Lead Bank, product or service, nor does Lead Bank endorse this offer. These optional offers are not a Sunrise Banks, N.A. product or service, nor does Sunrise Banks endorse this offer. These optional offers are not a Atlantic Capital Bank, N.A. product or service, nor does Atlantic Capital Bank, N.A., endorse this offer.

Lead Bank. Member FDIC, Equal Housing Lender Sunrise Banks, N.A. Member FDIC, Equal Housing Lender Atlantic Capital Bank, N.A. Member FDIC, Equal Housing Lender

How My Credit Score Is Calculated

Bad Credit Can Be Expensive

Slide below to see how much you might save with great credit.

Learn More

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Lead Bank. Member FDIC, Equal Housing Lender Sunrise Banks, N.A. Member FDIC, Equal Housing Lender Atlantic Capital Bank, N.A. Member FDIC, Equal Housing Lender