How My Credit Score Is Calculated

Payment History
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 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 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 30 Year Cost


Credit Card

Auto Loan

Personal Loan

Insurance Premium



Source: FICO®