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you know it was good it's my final review on self lender I already finished finished my uh my um you know my time with them I only signed up for the one year the one year thing with them so if you're thinking about signing up with them these are some tips from somebody who actually did it and finished it so you know I gave I gave yourself lender a thumbs up while I was still you know you know midway through with them so and now that I'm done I still give them a thumbs up I just have some tips you know some things that I learned while you know when I was uh now that you know I finished the whole the whole thing and I'm pretty much done with it I didn't even keep it keep the account open I closed it out so a couple of tips for any new people that want to sign up so tip number one your credit you get you get you get rated on your credit for how long you keep your accounts open so self lender gives you the option of they give you the option of keeping the account open for one year with the 48 dollar plan and um you know 150 whatever $100 plan open for one year and um when I first signed up honestly I didn't think I had it in me to keep the account open longer than a year you know I thought them you know stuff you know life happens you lose your job and all of that and so you know that's why I'm gonna do over a year so I found out you know I found this out midway through that more actually towards the end that you get you get grid uh like basically like greatest they are great for you know how long you can keep your accounts open and five years it's like eight plus you know what I mean and two years is like best at two years keeping it an account open for two years it's bare minimum so if you're going to sign up my suggestion to you is sign up for the two-year plan or the $25.00 or if you you know if you think you you good you think you mean you got the money well most people that are doing it don't have credit so I suggest you know start start start slow and study I would do the two year plan for the $25.00 only because two-year minimum that you notice - like the minimum requirement like two years and I'm saying this based off of credit Sesame y'all can go download credit Sesame - you know just like Credit Karma and you will see how they break down your credit score and one of the breakdowns is how long you keep your accounts open so any in two years is bare minimum and you know at two years you're you're up to a deep a d-plus or D you know a degree and and five years they grade you were a they gave you an A grade for five years and up so self lender was actually you know it was good I liked how they've reported you know how they was reporting on my credit report and they were really good with that and I liked it and they actually they do give you the option of you know to keep your accounts open after the time is up I suggest that you do keep your accounts open because there's actually I don't you know they actually are actually really good with reporting so that's basically what you're signing up for when you're doing that in the first place but you know when I first did it out didn't think I had it in me to keep it you know they keep something moping that long and I thought I would mess up but I actually didn't I kept going I kept it you know I kept up with my payments and all of that and even if I even if you don't pay on time they've reported as if you know like if you did thing on time so that's actually a good a good thing with that and um what else when I closed my account and made my credit score drop a little bit because I you know I closed the accounts so if you want if you don't I mean it really wasn't a big drop or anything it wasn't nothing there that detrimental or anything like that it was cool so that's just my suggestion my suggestion is you know keep your accounts open and just you know it's money that you get back at the end of the day so I won't stress I won't worry about that but for any new starters and you know you think you're not that good with money and all of that at bare minimum my suggestion would be to I just opened up the 2-year account twenty-five dollars and and and you know good luck with that keep you you know keep your credit score keep your credit score going up and you sound like me man that needs to join me any questions y'all have you know I you know I'll answer on I'll get back to y'all you know Chuck I checked my I check my comments I checked the comments all the time and you know I try to answer whoever's questions I'll try to answer whatever questions to the best of my ability concerning that you know and I I am where I was a rule while still have a real customer with self lender I actually applaud for the secured credit card midway through and I opened up a two hundred dollar credit limit with a secured credit card personally I do not suggest for I do not suggest the the secured credit card with what self lender only because they are not a credit card company bottom line and you know if you if you keep your accounts open with self lender you will you will soon get pre-approved credit in the mail anyway so I suggest you wait and wait till you get a pre-approved pre-approved credit card in the mail not pre-qualified pre-approved my girl she she she got a pre-qualified card in the mail and she applied for it and got denied and you know I told her you know not to do that don't do that cuz you you're not approved you know so there's a big difference between pre-qualified and and and pre-approved so you know I just started getting pre-qualified I mean pre pre-approved letters in the mail for credit cards I just got one from Capital One and I got one from another company I forget I forget who it was but the the interest rate on it was like 32 percent and you know I was just being height when I apply for it you know they're still gonna run your credit so and I got a proof work but I never activated the car because I didn't like the interest rate I didn't like I didn't like the terms and you know they charge you on a hundred dollars a year annual fee and you know just cars like that they're garbage I would not I would just wait till you get a good a good they said a good uh you know a good offer I actually just got a good offer from Capital One they don't charge those kind of fees so I applied for and it did run my credit they will still run your credit even though you are pre-approved so I didn't really experience a credit drop like you know it's a substantial one my credits my credit score did drop like three points on one on one from one of my credit bureaus and I think that was only due to a debt that I already have on there I don't think it was because of the credit card so and actually went up 1.1 another on another Bureau and I think that that was because of the credit card cuz I did get approved for it you know when they ran my credit so just some small tips yo if y'all want any more tips just let me know man comment subscribe to my channel I'm trying to get up to a thousand so I can at least start getting paid by YouTube you know for my videos so please subscribe and like and comment you know I got my phone number on my on my profile - so whatever questions y'all can text me and let me know what it is what's up I'll answer