<prompt> Human: Recently I have seen advertisements for something called self lender. Its a company whom you pay monthly and then at the end of your agreement with them they give you the money that youve paid them. It is supposed to build your credit. Has anyone had experience with a company or app or credit Building Company like this? My credit score is around 5:40. I would like to buy a house within the next two years. I want you or I need to have my credit score higher.  <response>: Never heard of it but a good credit score isnt something you can just speed up. Banks look at lengthy behaviors in regard to debt. You cant fix past issues quickly. Honestly I dont think a home in the next two years is practical. Youll need a fat down payment to get approved. Best served getting a credit card and using it for all your practical purchases and paying in full every month. If you need a car buy a used one and finance it. Thats the stuff that will help your score. 