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.

Bad Credit Is Expensive

Slide below to see how much you can 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.

1. All loans made by Austin Capital Bank, SSB, a Texas chartered state savings bank. Member FDIC. Equal Housing Lender. 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. 2. *Results 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. $12 Administrative Fee. 3. All Certificates of Deposit (CD) are deposited in Austin Capital Bank, SSB, a Texas chartered state savings bank. Member FDIC.

How My Credit Score Is Calculated

Bad Credit Is Expensive

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

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About

Self Lender

Austin Capital Bank SSB | Member FDIC, Equal Housing Lender