I use this app. My credit score been going up ever since. No cap.
@clinton3500
4 жыл бұрын
Give Ms. Stacey Tisdale her flowers NOW!!! This woman comes on TBC every time in hopes of helping her community become more financially knowledgable. #salute
@Itshillaryyyy
4 жыл бұрын
👏🏼♥️
@Ro-jl3zg
4 жыл бұрын
I love when Ms.Tisdale come to the breakfast club, love the knowledge she brings when it comes to finances and more importantly CREDIT
@sojothetruth
4 жыл бұрын
I love the Breakfast Club, y’all really be looking out with these financial literacy interviews!!!
@kismetfesmire5149
4 жыл бұрын
This needs a full hour! So important and helpful
@franangelicanoboa7058
4 жыл бұрын
I just want to thank the Breakfast Club and Stacey Tisdale for all the information you have put out on this platform. With your help I was able to get out of debt this year. Now I’m working on building credit, thanks to this app.
@URBCLIPZ
4 жыл бұрын
I love Stacy Tisdale. She is the reason that I have money saved today. Once, she did a breakfast club interview where she advised ppl to download the acorn app. I did that and been saving ever since. Thanks Stace!
@Yathar
4 жыл бұрын
Just go with the secured credit card from Discover it. This way isn’t the way. Put down $300 on a discover card and only spend less than $90 on it and pay it off every time you use it
@christophermaize3563
4 жыл бұрын
that's what I did when I didnt have good credit then they gave me back my money and gave me a regular credit card trust me if u have bad credit do this keep making your payments on time and u will be ok in the long run
@Opinionatedchic
4 жыл бұрын
Exactly!!!
@alireignco
4 жыл бұрын
That’s how I did it .. after 6 months I received my $200 deposit back and a new credit line of $1500
@TheAlkebulanTrust
4 жыл бұрын
It's great to see #BlackPeople become more aware of credit and how it works and use it to their full advantage. Living in Western Society these types of knowledge is extremely important
@originaldelta
4 жыл бұрын
You got Africa in your avatar but think like the colonizers. Debt is evil. In Africa,you own everything outright. No mortgages, no car loans.
@joshuaosullivan2761
4 жыл бұрын
@@originaldelta Where are you from? How do you buy expensive stuff?
@originaldelta
4 жыл бұрын
@@joshuaosullivan2761 There are no credit systems in Africa. You pay upfront or in certain few cases installmentally
@koreymcadams9960
4 жыл бұрын
No app or promoted platform can change bad habits. Change happens when the individual desires BETTER more than temporary satisfaction and frivolous spending.
@reikobrown24
4 жыл бұрын
Happy when u guys do interviews on stuff like this
@zackbarnes1832
4 жыл бұрын
The real thing is to not need credit, don’t borrow. OWN. That’s should your end goal people.
@kanamekiyru
4 жыл бұрын
Gotta start borrowing before you own unless you come with a silver spoon
@JonathanIsrael708
4 жыл бұрын
End goal**
@SimplyaLady92
4 жыл бұрын
You sound foolish
@SimplyaLady92
4 жыл бұрын
I hope you save up enough to OWN your 300k house plus fees.
@Write662
4 жыл бұрын
This is a good interview. I hope the app is what they are promoting. However my problem is they are not saying how long it takes to increase your score. She went from a 342 to over 840 which is possible, but people need to understand it takes time to increase your score it does not happen in a couple of months.
@QualityChildcare1
4 жыл бұрын
Discipline, Discipline, and Discipline is the key! Everyone can save if they have a job even if its $2 a month. A saving is saving and increase it by canceling cable, lower phone bills, call your credit card ask for a lower APR Rating, use only half of your credit limit( ALL PAYMENTS must be on time) How bad do you NEED IT? Yes, I know this because I help people with their credit all the time and fourteen years of experience working at Trans Union.
@robbiemouton7459
4 жыл бұрын
I use this product my credit has shot up 150 too 170 in less than 6 months.. IT WORKS!
@jordnluv1
4 жыл бұрын
Robbie Mouton that’s not a lot 😒
@robbiemouton7459
4 жыл бұрын
@@jordnluv1 it took 8 seconds too read my post and be negative... Chile go play on the freeway with your petty negativity? lol
@FrStreetnc
4 жыл бұрын
@@jordnluv1 how come that's not alot? You know how hard it is to get positive points on your credit score? Let alone 100+ over a 6 month period
@IAmKaia
4 жыл бұрын
I use this app and my credit went up 60 points in a month
@PrimordialChaos1
4 жыл бұрын
Is that a fact
@KW-ch1bh
4 жыл бұрын
But it's fake actually got get your credit pulled don't use there so or credit karma guarantee it didn't go up 60 points there's nothing this app can do to raise your score it's a scam please don't believe there shit contact Experian or trans Union get a copy of your score guarantee by using this app in went up there's no way that's possible the only way it went up is something negative fell off your report or you handling your stuff better that's it this is there job and hustle just like you have yours it's there job to get you to sign up I wish you guys realized that
@oasisfullfilled7617
4 жыл бұрын
Its a Fake Score but pull your real score from Myfico.com I just sign up and I notice my real score is 40 points off from there score self gives but I dont doubt your score went up. But always use myfico.com because thats the real score lenders use
@EduardoOliveira-zx9ju
4 жыл бұрын
I love these types of interviews
@LovesAlchemist
4 жыл бұрын
I used SELF for a year, paid it up and once you make ylue final payment it reflects as a closed acct on your credit report and then that drops your score. The only thing you walk away with ia the money you invested
@patricktuggles4815
4 жыл бұрын
Not So Obscure Any account you pay off will drop your score because it's closed. But, it will go back up
@Dj_vlad
4 жыл бұрын
And a better score duh
@LovesAlchemist
4 жыл бұрын
@@patricktuggles4815 i know...it just happened in the midst of me getting a mortgage so it was bad...
@LovesAlchemist
4 жыл бұрын
@@Dj_vlad i wont even try to have a decent banter with you because you cyber thugs really have lost your senses.
@Dj_vlad
4 жыл бұрын
@@LovesAlchemist sthu u mad cuz ya credit sucks n u dumb lmfaoooo
@batesec
4 жыл бұрын
People seriously need to take some financial classes, read and learn about your credit worth. No one can do more to help you than you can do for yourself. To each their own!
@dailykouture
4 жыл бұрын
SELF is a great product for new credit and those rebuilding! It will definitely increase your score!!
@kumasifitts2248
4 жыл бұрын
I appreciate the breakfast club for continuing the conversation on credit
@Pharaoh_The_Great
4 жыл бұрын
Where is Dave Ramsey when you need him?? 🤦🏽♂️
@JC-nz1om
4 жыл бұрын
I wish they would have Dave Ramsey or Anthony O'Neal on here. We are slowly getting our parents out of the "I love debt" mentality.
@gritsnwavy3059
4 жыл бұрын
Exactly!! This sounds sooo shammy scammy!!
@Rashaadthegr8
4 жыл бұрын
@@JC-nz1om Thanks for getting it bro. :)
@victoriasaiditalot
4 жыл бұрын
GritsN Wavy it does work my CD matured back in September it raised my score 148points for the year I had it .
@anneyolande2486
4 жыл бұрын
Because he’s God?
@dariusshivers2499
4 жыл бұрын
Bump credit . Do everything in cash. Don’t finance anything. That’s how I was taught an I’m doing fine in life. I bought a home with manual underwriting which doesn’t go by credit score at all. Don’t become a slave to the lender . Never finance a car. Paid cash for my truck after saving for a year . Home debt is good debt because it grows a return over time. But don’t finance other things . If you don’t have cash for something on hand then you can’t afford it. Financing means you can’t afford to purchase this item at the moment so give it to me an I’ll pay you back overtime . Don’t do it .
@SandStormXII
4 жыл бұрын
Manual overwriting ??
@TheSmith480314
3 жыл бұрын
Still nigga! Why take ur money, all at 1 time and use it? Use the lenders money and keep ur income and do more with it dummy!!!
@WeTalkWeeklyTV
4 жыл бұрын
Payday loans are a financial death sentence!
@TheUniquemariah
4 жыл бұрын
They really, especially when your in an emergency and have no options ugh 😒😒
@jessicastevenson6870
4 жыл бұрын
I will NEVER EVER EVER use a payday loan again. I literally am 3 months away from paying off the payday loan company after 3.5 years. They literally garnished any account associated with my ssn. So if i don't have cash for it, i really don't need it
@WeTalkWeeklyTV
4 жыл бұрын
@@jessicastevenson6870 that's crazy! that should be illegal smh
@jessicastevenson6870
4 жыл бұрын
@@WeTalkWeeklyTV I'm still not 100% sure it was legal. But i didn't have the funds to pursue it further. It's been one extremely expensive and drawn out lesson. Haven't looked @ another payday loan since then
@lizziepooh9393
4 жыл бұрын
OMG... I needed this interview. My cousin had being trying to tell me about this & I wouldn't listen. Thx BC for this info. Bless y'all man!!
@bigboi731731
4 жыл бұрын
I just join let see what happens to my credit 🙏🏾🙏🏾🙏🏾
@sheenae47
4 жыл бұрын
One of their better interviews!
@9nineinches287
4 жыл бұрын
Lunchtime.. I am on the clock here in Melrose Park Illinois USA watching this video... A DECENT blue collar Union electricians and plumbers worker.... Credit score is 730......Thank You....
@StSimbaRashe
4 жыл бұрын
I have the self app and I had to do extra work to increase my credit score. Revolving credit helps your credit more than installment payments on credit.
@vanteg9834
4 жыл бұрын
I think people just need to know if you call up the companies you have collections accounts with and set up payment plans that'll work for YOU. You'll see increase. That's what I've been doing. You just gotta discipline yourself to not rack up credit card utilization and super late payments. Those are the 2 things that drag you down. At least on credit karma
@victoriasaiditalot
4 жыл бұрын
It use to be called self lender but they recently changed the name to self . It really works! My CD matured in back in September of 2019 and my score raised approximately 148pt as a result of using this app. Definitely should try it . Cheaper than trying to pay someone to remove negatives and that still wont guarantee a higher score .YOU HAVE TO ESTABLISH POSTIVE PAYMENT HISTORY!!!
@realbanana905
4 жыл бұрын
Is the 'self' app available in Canada, please and thank you? If not then, please what is the Canadian equivalent? This interview was less than 20 mins. and definitely deserved more than 45 mins.
@JadedJassy21
4 жыл бұрын
I signed up for this today. Credit is too important. Most Americans can't afford $500 in an emergency. That is why I am aggressive AF when it comes to my credit and saving money!
@KH9th
4 жыл бұрын
It's not that hard ppl. Just pay your bills on time. Simple.
@tahoefran
4 жыл бұрын
it's way more than that stop spreading misinformation
@KH9th
4 жыл бұрын
@@tahoefran you must have bad credit.
@tahoefran
4 жыл бұрын
@@KH9th na good cuz I know it's way more than that
@Ruffsecs
4 жыл бұрын
If you don't have credit that doesn't help your credit score. You have to have actual lines of credit with history.
@indisputellc5293
4 жыл бұрын
Sounds like a safe coaching mechanism to instill positive and productive financial behavior. One question... How does the app make its money? Not sure any one asked or if it was disclosed in the conversation.
@jamesmarie
4 жыл бұрын
Also, Stash and Acorn is your friend if you have checking account. Make your change work for you when you do spend.
@patricktuggles4815
4 жыл бұрын
Also credit karma is not a real score. My fico is the ACTUAL SCORE
@Opinionatedchic
4 жыл бұрын
Correct!
@aaront7247
4 жыл бұрын
Or experian
@oasisfullfilled7617
4 жыл бұрын
Myfico.com is the real score. You can pay for a monitering service to get your real scores
@Tj_843
4 жыл бұрын
Its real its just a different point scale being used
@oasisfullfilled7617
4 жыл бұрын
TJ Thats not the score lenders use. Majority lenders use your fico score
@amitalati5741
4 жыл бұрын
Good point.. you don't know what you don't know..
@MsEriKaT
4 жыл бұрын
You don't have a savings problem, you have an income problem!
@NewCreationInChrist896
4 жыл бұрын
Grace is greater.
@oscargarza4779
4 жыл бұрын
I had not credit at all. I got a car been paying on time for 8 months and I now have a 643. I want a cc but I don’t trust myself with one
@ThePorshaEdmun
4 жыл бұрын
Oscar Garza yikes self discipline is key
@FrStreetnc
4 жыл бұрын
Get a small one with like a $300 limit. I did and my score went up almost 90 points immediately
@oscargarza4779
4 жыл бұрын
FrStreetnc really? Wow! Yeah I’ll get one then. 90 points is a tremendous increase. Thanks
@oscargarza4779
4 жыл бұрын
Porsha Edmun I know 😢.. I’ll stay focused on building my credit and been disciplined, as credit is super hard to build. Thanks
@Amo4.0
4 жыл бұрын
Bruhh dat vein on ha neck 😂😂😑 Snapped
@erickiam25
4 жыл бұрын
I have the self app, For a month now, not real improvements yet i guess it takes a few months of paying off the cd to see real improvement
@Ruffsecs
4 жыл бұрын
You've only reported to the credit bureaus once. Give it time.
@tenikatucker8858
4 жыл бұрын
I actually use self lender. It boosted my credit by 97 points the second month
@yasmeenchapman1983
4 жыл бұрын
Don’t trust anyone who advertise the acron app
@tenikatucker8858
4 жыл бұрын
Whats wrong with the acorn app seriously i wanna kno
@ThePorshaEdmun
4 жыл бұрын
Tenika Tucker nothing is wrong with Acorns, Stash, M1, and or Robinhood they all have pros and cons depends on the level of the investor
@toraharris24
4 жыл бұрын
Thanks
@So.avant.garde1
4 жыл бұрын
I’m recommending the app to several people I know!
@Queen-of-the-Burbs
4 жыл бұрын
This is an infomercial
@TiggysTC
4 жыл бұрын
Exactly. I'm sure they're sponsors for the The Breakfast Club 😂
@Blackchiney75
4 жыл бұрын
@@TiggysTC do you think most listeners benefit from the info, such as the negative impact of late payment or how your credit profile lends to a job recruitment then it was helpful...so stfu
@Blackchiney75
4 жыл бұрын
@TK Kirkland, do you know the true cost of negative credit? When you do let me know if taking credit repair avenues like the one here is not helpful to the mislead whom are majority Black...see, I've always had strong credit and I nvr knew how to help others so, I applaud those who have found an affordable way....
@amitalati5741
4 жыл бұрын
Informative segment..
@anitawells9685
4 жыл бұрын
is this Self Lender? I tried it and it didn't help my score much at all. shrugs shoulders.. the check a year later was nice, but my score didn't significantly improve.
@Opinionatedchic
4 жыл бұрын
That's because they're in business to make money - not doing anything you can't do yourself.
@joelleggett8129
4 жыл бұрын
Mine went up 67 points, the first month!
@AndrewMColeman84
4 жыл бұрын
lakeith stanfield ignores these types of interviews.
@macadon
4 жыл бұрын
Andrew Coleman Yep... you beat me to it. These are the gossip free drama content they skip over based on the title of the video.
@luciusleft-foot2386
4 жыл бұрын
This is an advertisement for an app, not "help" lol
@AndrewMColeman84
4 жыл бұрын
@@luciusleft-foot2386not sure if I follow your statement. It isn't just an app for playing games or stream any form of entertainment. It is one that can help adjust your finances. The woman that the app did help also wanted to get her story out about something that helped her get to a better financial situation. LOL
@GothBatty
4 жыл бұрын
Andrew Coleman omg 😹🤦🏽♀️
@GothBatty
4 жыл бұрын
Andrew Coleman I love the vegan people that come 💯🔥
@anonymousbusinessman9194
4 жыл бұрын
I downloaded it💯
@ArtsyBlazer
4 жыл бұрын
This was amazing #salute to debt free lifestyles
@kchicks439
4 жыл бұрын
My wife has been using it for 6 months and her credit score went from 540 to 606
@djmystro1667
4 жыл бұрын
💯
@rebeccag0327
4 жыл бұрын
I never understood why people will just say what their credit score is. I wouldn’t tell anyone that. To me it’s just as private to me as my actual social security number
@luciusleft-foot2386
4 жыл бұрын
Why use an app when all it takes to get decent credit is discipline and foresight?
@AndrewMColeman84
4 жыл бұрын
Yes, that works but it doesn't hurt to have other avenues for financial benefits. Everyone may not be in a position to set back enough money to be fully secure for more than a few months. Heck, there may be instances to where you are knocked completely down and you will need things like this to help build you up.
@ryanadams8982
4 жыл бұрын
I definitely agree with that. I did the research and use my Bank of America app to keep things on track. After I had enough money saved up I opened a Merrill Lynch self directed investment account through the bank. I had a sit down with a financial advisor for free at the bank to make sure I was on the right track and I'm good. It was almost like he was surprised to have somebody come in the bank to talk about investing. Also, the look the teller gave me when she realized I had a little bit of money in the bank was priceless. She treated me a lot different. Each one of my credit cards tracks my credit score too and gives you tools if you need to improve your finances. Most of the this is common sense, but I definitely feel them when they talked about people not having stable income. That can surely side track a person at times if money isn't saved up. This was a good interview, though.
@ryanadams8982
4 жыл бұрын
What really stuck out to me was when the guy at the end said "it's really hard for people to get into the habit of saving money." That's half of the battle right there.
@AndrewMColeman84
4 жыл бұрын
@@ryanadams8982 it definitely relies on changed behavior. It took an act of God to set me back a little bit. Without the decisions I made before it I was able to handle the issue without being a huge burden.
@ryanadams8982
4 жыл бұрын
@@AndrewMColeman84 for sure. I think I'm always learning new ways to save and improve financially. It's a process, but definitely worth it.
@hanaj
4 жыл бұрын
342?!?!?😳. I didn’t know it got that low
@kanamekiyru
4 жыл бұрын
Yep as low a 0
@Dbaddestuno1
4 жыл бұрын
My ex had a 19 😳👌🙅🏽♀️
@knowledgeiskey6544
4 жыл бұрын
@@Dbaddestuno1 😂🤦🏾♂️
@sweetkwaku123
4 жыл бұрын
VG KUSH HUH!?😂😂
@mikaldinero3242
4 жыл бұрын
@@Dbaddestuno1 did he build it up? If so how?
@deioslux847
4 жыл бұрын
I can see the advantages of this if you cannot save, but people have to understand this is a high cost savings account. I'm not knocking it, but you need to know it. If you have no financial discipline and need the help with credit, this can help you, but understand the fees in the end.
@JazChapmanTV
4 жыл бұрын
I used Self or formerly known as Self Lender
@jaysdangerroom
4 жыл бұрын
Credit score means I love debt score.~Dave Ramsey. Building a credit score is bad advice. Proverbs 22:7 the borrower is lave to the lender.
@yellowboy7705
4 жыл бұрын
2 QUEENS & A WHITE MAN TO REASSURE US...ILL PASS ON THIS 1
@anitawells9685
4 жыл бұрын
lmao..
@skilledtouch8445
4 жыл бұрын
This was my story
@jamesmondsexperience
4 жыл бұрын
I just signed up
@carnal61
4 жыл бұрын
Bandman Kevo got me here for all the real niggas 👍😂
@taylor341703617
4 жыл бұрын
self lender app I love this app
@pat22nasty
4 жыл бұрын
bryan taylor lll
@hustlebankz8195
4 жыл бұрын
Where TF is the Dr Umar interview
@keyshajones1866
4 жыл бұрын
Breakfast Club can you interview someone who know something something about investing. I'm a black women and like to know how can I go about investing in a black business or company. and what a company good to invest in
@oasisfullfilled7617
4 жыл бұрын
Wall street trpper on Instagram or watch Earn your leisure episode on KZitem. Betterment you can open with no money down and begin investing. Etfs are the way to go! Takes the headache out of purchasing individual stocks. Open a Betterment account and start investing
@Goldenvibesss
4 жыл бұрын
Wait... J€FF Reyep Stein probably didn’t kiielll himself
@AndrewMColeman84
4 жыл бұрын
Well, he did when he became involved with wicked shit.
@TheAmericanPlug
4 жыл бұрын
Somewhere trying to convince people credit is bad
@rebeccag0327
4 жыл бұрын
Okay 9 mins in ... I’m moving on
@georgialife1976
4 жыл бұрын
People watch a couple youtube videos and Now everybody is a credit expert. Breakfast club is just a regular pod cast. Once upon a time, you had to have receipts to get radio interviews.
@pat22nasty
4 жыл бұрын
Many Moons yeeeeeeep
@kallyzore5005
4 жыл бұрын
Thank you! I saw a video on how to do heart surgery, so if u have issue, please feel free to hit me up. doctor youtube, is here to serve the white community. 😂😂😂 B1
@ryanadams8982
4 жыл бұрын
Well, looks like Stacey is connected. She started out in the media and probably knows their bosses. Check it out: www.linkedin.com/in/stacey-tisdale-2086097/
@Opinionatedchic
4 жыл бұрын
Exactly!!!
@kylefitts8240
4 жыл бұрын
Put #smoking legal on the show breakfast club
@AcesizOfficial
4 жыл бұрын
🙌🏽🇬🇧
@axftyh
4 жыл бұрын
Okay so Self AINT Free?? Lol yea im out
@kumasifitts2248
4 жыл бұрын
This is a huge infomercial. I'll pass.
@alexandria4401
4 жыл бұрын
Basing credit on character to get a job is why the poor is still poor. Just another form of institutional racism.
@ronjefe23
4 жыл бұрын
This kinda fishy 🤔
@lexlekan7552
4 жыл бұрын
Only thing that turned me off was the white man being involved. I turned away at 30 seconds.
@Rashaadthegr8
4 жыл бұрын
You don't need credit for an apt if you have gr8 income and money down. You don't need a credit score for a house it's called manual underwriting. Google is your friend. Debt is the devil to your future. The only way to get a I love debt score oops I mean credit score is to be in debt. Who u know with perfect credit that has never had debt? Nobody ever. But there are millionaires with bad credit and broke ppl with good credit. Nobody contributes their wealth because of their credit score.
@Dj_vlad
4 жыл бұрын
Interesting
@ClaxtonBay123
4 жыл бұрын
You can at least give Dave Ramsey credit for your words.
@axftyh
4 жыл бұрын
I feel the same way!! But I wanna build my shit back up cuz I rather the Lease option on cars then to own them!! Need that good Credit for the latest Whip every 2-3 years lol
@Rashaadthegr8
4 жыл бұрын
@@ClaxtonBay123 Glad you know. Lol All credit to Dave Ramsey. I take none of the credit 👍🏾😀😀😀
@kanamekiyru
4 жыл бұрын
Credit makes those things easier tho. In Texas $500,000 house is expensive. Now i need to come with a down payment of atleast 10% so 50,000 so i still need $450,000 if my credit is good ill qualify for that loan with low interest and may pay a lower price at the end vs bad credit where i wont qualify for the loan and what little loan I will get will have like a 5%interest rate and will pay more. Or i can save $500,000 Credit is a must in mondern day america cause most things are on credit. You may NEED a new car TODAY. You have $3,000 in your pocket . You go to a dealership and want a simple honda civic but its $15,000 you will A: have good credit and put that $3,000 down and pay $150 a month and itll be cut down to $12,000. B: bad credit so you dont qualify for the loan so you have to get whatever car you can get and the bring you a soccer mom van thats $400 a month because your credit history says you cant pay bills and you end up paying $18,000 or C you have to but a janky car with that $3,000
@cvokoye
4 жыл бұрын
Don't mean to hate but I'm not a believer in this app.
@cloudymidnight123
4 жыл бұрын
I did two rounds it works!!!! On my third round now.
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