Impact Credit Scores - Self App Reviews

VERSION
5.0.1
SCORE
4.8
TOTAL RATINGS
254,279
PRICE
Free

Impact Credit Scores - Self App Description & Overview

What is impact credit scores - self app? Welcome to Self, your credit building toolbox. Build credit, track your credit score, unlock a credit card, and more.

With the Self credit app, you’ll have everything you might need to build credit. Low credit score or no credit score — get started today. At Self, all credit scores are welcome.

BUILD CREDIT BY REPORTING YOUR RENT PAYMENTS FOR FREE
- Grow your credit score for free*
- Build credit with all 3 credit bureaus — Equifax, Experian, and TransUnion
- No hard pull, no credit check
- Establish positive payment history — the #1 factor to build credit†
- Track credit score with VantageScore 3.0‡

GROW YOUR CREDIT & SAVINGS WITH THE CREDIT BUILDER ACCOUNT§
- Plans start at $25/mo.‖
- Unlock your savings at the end, minus interest and fees¶
- No credit score required
- No hard credit inquiry, no credit check

UNLOCK THE CREDIT CARD FOR CREDIT BUILDERS
- Work toward a secured Self Visa® Credit Card¹ with a Credit Builder Account§
- No credit check required
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US

REPORT MORE PAYMENTS FOR MORE CREDIT
- Build credit with cell phone, water, electricity, and gas payments for $6.95/mo.
- Add up to 5 payments to your TransUnion credit report each month
- Credit monitoring by TransUnion
- Identity theft insurance up to $1 million
- Cancel any time

TAKE YOUR CREDIT SCORE TO A NEW LEVEL
People with Self Credit Builder Accounts who start with a credit score under 600 and make on-time payments lift their credit scores by 49 points, on average.²

ACCESS THE SELF VISA® CREDIT CARD
Card eligibility requirements include a Credit Builder Account§ in good standing, 3 on-time payments, $100 or more in savings progress, and satisfying income requirements. Requirements are subject to change.

* Results vary. Not all payments are eligible. Not all lenders use scores impacted by rent payments. See Self.inc for details.

† See https://www.ficoscore.com/education#WhatYour FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

‡ Credit scores will only be available to customers our 3rd party vendor is able to validate.

§ Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

‖ Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.97%. Sample products are $25 monthly loan payment at a $520 loan amount with a $9 administration fee, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self mobile app or Self.inc for current pricing.

¶ Minus fees & interest. Individual results may vary and are not guaranteed. Improvement in your credit score is dependent on your specific situation & financial behavior. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report.

¹ The Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See Self.inc for details.

² Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, starting VantageScore 3.0 under 600, who made on-time payments. Other factors, including activity with other creditors, may impact results. On-time payments does not mean full program completion and past performance based on study does not guarantee future results. Credit score increase not guaranteed.

Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702

😍 Do you love Impact Credit Scores - Self app? Please share your friends!

share facebook whatsapp twitter pinterest email telegram
App Name Impact Credit Scores - Self
Category Finance
Published
Updated 29 January 2024, Monday
File Size 84.09 MB

Impact Credit Scores - Self Comments & Reviews 2024

💸 Want to send money abroad for free?

We transfer money over €4 billion every month. We enable individual and business accounts to save 4 million Euros on bank transfer fees. Want to send free money abroad or transfer money abroad for free? Free international money transfer!

This app will help you!. This app has helped me build my credit and it made it easy as pie! They provide a clear overview of where your credit score is at and what you can do to make it better. It’s a great app for a person like me who isn’t exactly privy to how credit is established and all of the ins and outs of the whole process. The app is also so much better than other similar apps I have pertaining to credit and finance (Experian, etc..) because they make it so easy to understand what it is you are looking at and what steps you can take to improve your credit score. Once you are able to get the Self credit card and you are making your payments on time they will increase your credit limit rather quickly and continue to do so for as long as you are able to maintain good practices. If you are someone out there who is looking to take those 1st steps towards getting your credit score up, I highly recommend this app for you. Wishing you the best of financial luck & God bless -Seth

The service is legit. This app is relatively simple and actually does provide results. I was initially skeptical about both the intention behind, as well as how truly effective that a credit builder loan could be. This was amazing. My credit soared tremendously even before the halfway point of my loan term. The payout process at the end of your term is simple you literally get all of your money back with the option of direct deposit which is quickest or paper check. A pro tío though is to continue to use the credit builder credit card; which essentially lets you continue to use the money saved in the credit builder loan while you’re still showing the credit agencies that you can manage your finances wisely. You’re able to boost your credit score, pay off your credit builder loan, and still have full access to use your money as you see fit via the self credit card. This app is amazing and yes it really does work.

I LOVE SELF!. I downloaded, and starting using Self, on March 24th, 2021. In less than two months, my score went up almost 100 points. It is now July 3rd, 2021, and my score has gone up a total of 105 points. I just reached the 3 month mark, at which point I was able to order the credit card. It arrived 9 days later (today), and I just activated it. I have no other open balances; until I signed up for Self, the only things showing up on my credit report were collections (4 or 5), most of which were closed, and I’ve paid off the ones that were still open, since. No active loans, credit cards, etc., so having a second open account (the Self credit card), and paying the balance in full every month to avoid interest fees, will hopefully help build my credit even more. Would be nice to see another substantial jump, but I can’t complain. This app has been everything I wanted it to be, and then some. I went from being totally pessimistic, and thinking I’d never fix my credit, to now regularly getting excited about how quickly it’s raising back up, with not much effort. I cannot recommend Self highly enough!

Bad experience. I started my Self account to help built my credit, with only 25$ a month I was building credit. I set my account to Auto pay and let it work, since it was on auto pay I never had to remember to make my payments. A couple years later I received an alert from one of my credit monitoring apps telling me my score dropped 134 points. I couldn’t believe it when I saw that Self had thrown me into collections. At this time my Self account was already 90% paid off. I then realized I had my wallet stolen 2 months prior and never gave Self my new debit card number for my Autopay. I have many bills that come out in a month and since I hadn’t thought about Self in 2 years it slipped through the cracks. I looked through my emails to see how I missed it and I had been sent alerts but unfortunately they were all going to junk mail. I searched through the Self website and Google to find a number I could call and they don’t have one. I wish I would have received a call or even a text alerting me I was going into collections. I would have paid 25$ easy or even paid the rest in full!! I have found other ways to build Credit and It’s higher than ever but every time I apply for credit somewhere, this shows in collections as a negative unsecured collateral debt. I don’t think I should be in collections since I don’t owe them anything. I paid them 25$ for 2 years if anyone lost anything it was me.

Really good for young people. So I made the mistake of trying to buy vehicles without any credit. One company only did one hard inquiry and another really messed up. The did 7 hard inquiries. 7. My credit was looking low. I had a credit card but only for about 3 or 4 months and it was always paid off on time but it was just so slow building my credit. I started looking up ways to build it and self popped up. I was skeptical about it at first because you know, I don’t like giving out personal info to an app. And I wasn’t really sure if it even worked. After research and reading hundreds of reviews I decided to go ahead and download the app. I make decent money for being 18(well 19 now) so I went with the most expensive one they had. Yes. The interest is high but it’s not that noticeable. Your credit will go down because you opened a new line but give it 2-3 months. My credit has shot up probably 30-40 points. Do not do this if you aren’t sure if you can afford to make payments. I knew I could. If you make your payments on time (I have mine on autopay) then you will see the results happen so quickly. 10/10 will recommend this app for new credit builders.

Highly recommended. My credit score has been at 510 for a couple years and it has been so hard to get my score up. I have tried small loans and small credit cards and always got declined. A friend told me about the Self App and I was skeptical about it. I started using it about 3 months ago and OMG. I am still surprised and shocked how it has made my score go up so much. Now 3 months later my scores are Transunion 609 - Equifax 604 and it still goes up. I highly recommend this to anyone trying to build up their credit if they have low credit. Another A+ benefit is the money you choose to pay a month gets put into a savings account and after 2 years of paying, you get that back minus small fees. The fees aren’t even a lot. (They have to make some money) It is definitely worth it. After my 2 years are up, I am signing up again with a higher pay rate to save more money. Thanks Self.

Randomly close my account. I’ve been with the company for years, never had a problem. I had a dispute issue with Self in May and that’s when everything went bad!! After going back and forth and reopening the same dispute. I randomly start getting emails stating my card is lock, my credit builder account and Self card is being closed oh and the dispute is denied again lol. I provided my bank statements, DLs, me holding my DLs, last 4 digits of debt cards, ssc as requested the same day I received the emails. Literally 10 to 15 minutes after getting the emails. They don’t even tell you why it’s closed. I explained if I’m making a large payment CHASE will decline the transaction and ask you to verify. Not even 24 hours they made the decision to close ALL accounts but told me they cannot provide a time I would receive my funds back because they have to “verify” dude what was the point of me verifying in the first place! They accepted MY MONEY out of MY ACCOUNT then closed it just to say I cannot be provided a time I would get my money back but what is CRAZY….they actually told me I could “just apply again”, WHY so you can steal that money too! Why close a 4 yr old account just to open a new one! I have photos of all this. They tell you to reach out just to be no help, they use text expanders just to email everyone fast enough. They don’t care.

Very disappointed. I gave you guys a good reveal and Now i wish I didn’t yes it did help my credit but the account building that you pay so much every month to save that money then when my account was finally done you guys sent me a thing telling me I’m getting over $700 and I’m supposed to receive this in my checking account well the day that you guys put the money in was only a little over 200 I thought it was supposed to help you build a Credit and build saving my understandings I was supposed to get that amount and talking to someone on the phone did not help me one single bit they were not helpful at all so as soon as my credit card is paid in full hopefully I will receive my deposit from that credit card so be careful read everything I do not recommend these guys I feel I got screwed very hard and I was disrespected I hope self figures things out oh yes I am very disappointed I was expecting that money that I could use towards a new car they did help with my credit but the credit building thing is a waste of time I still feel the same as I did leaving this review they wanted me to update it well here’s my update you guys screwed me you screwed me hard building credit in the credit builder you guys sent me I think stadium supposed to get 725 in my checking account all I got was 200 and some dollars yes I have 400 they deposit into the credit card so why am I still short on the 725 you guys screwed me so I still give you a very poor fairy unsatisfied?

Listen... I’ve been searching all year for the best credit solutions.... ... and SELF takes the cake. Not only is the lack of a hard pull VERY appreciated... but without a hard pull you are getting yourself a loan to pay off, AND (in three months if you pay on time) a secured credit card to use and build upon your credit even more. That’s two things for 0 hard pulls. Sorry... but that’s amazing. Especially given other places will do a hard pull and then deny and you have one hard pull and nothing to show for it. I have always paid on time, but I have heard they are also really understanding when it comes to trouble paying.. and they will work with you rather than against you. That’s reassuring to know... given the whole company’s model revolves around credit building... you’d like to think they wouldn’t want to hurt your credit! Haha. So I feel very safe with them. I have had only a positive experience thus far.

fontana ** NEW IMPROVED CREDIT**. self is a great card to help your credit as I was trying to purchase a house I have went up 86 points from this alone there’s also another account called the gold card from Open Sky and I went up another 50 points on that as well without the Self card having a Self CD for myself and my husband I don’t know where I would be right now it only took three payments for my points to go up 86 points which is a lot I love this company and would recommend it to anybody looking to improve their credit and I thought there was no hope for me I honestly did good luck.. all I can recommend is please make sure your payments are on time and you should have the same results because if anybody in the world thought differently it was me so it’s real I would just check it once a week as what I normally do make sure the payment and everything went through and everything was good but I never had an issue wonderful company

Helpful Tool. If you use this correctly it will help you. But you have to put in the minimal amount of work it’s asking you to do. Set a reminder and make sure you pay your monthly amount if you don’t set up an automatic payment plan (that’s the easiest). The first time I used self I didn’t realize there was a set amount that you have to pay off, and paying it off slowly and with the same amount is the most helpful for your credit. I got it in my head that I would use the app to save money and started making payments to myself all the time but it did nothing but pay myself off earlier and ended the what’s supposed to be a year long contract early. I had to wait over a month to finally get my check which sucked because I wanted to make sure they actually paid me. I spent time making calls to them finding out where the check was. Pros. You’re essentially paying yourself to improve your credit score. Cons. Takes a while for check to come. You really screw yourself over if you miss a payment (I would imagine, so don’t miss a payment). I am about halfway through my second term and making the automatic payments. When you end the contract your credit drops a Little bit so I started a new one and am making all on time payments to help it even more. It’s a pretty cool system. Just don’t pay it off early.

Success. I may be one of the biggest success stories for self. My score was under 600. Maybe 550 to 575. My score is now 775. I’ve used self for about 3 years and I have mastered the system and I can tell you how also. Only choose the $48 a month option, it makes the most sence with fees. Do the year get the credit card as soon as possible, use the full amount you have available to make the credit limit higher. On your second year what you need to do is pay the 48 as soon as possible. Itl say after it’s processed that you can increase your credit limit. Increased it as many times and as soon as possible. So every 30-60 days, your credit will show a balance decrease on the loan and a credit limit increase. The algarythym will love this. Repeat cycle till credit limit is about 1700. But don’t let the money sit there, you must increase the limit as many times as possible. It’s not about the amount of the increase, it’s about how many times you had a credit limit increase. Follow these steps for 2-3 years and I garuntee you you’ll see a way better score! My wife is also doing this and it’s working for her. Self changed my credit for life and now it’s off to the races !!

86 Points in Two Months!. My score has been raised 86 points in two months with SELF. Obviously I am making payments on other things but your investing in your own financial future. You borrow money that turns into your own money at the end of your loan term. Like why would you not invest in yourself. It looks great for payment history. I believe once you make 3 monthly payments and pay back a certain amount... you qualify for their Credit Card as well. (I’m sure pending some type of credit history with the lender) don’t miss any payments set up auto pay!!! The payment amount each month are low which makes this manageable for just about anyone! I haven’t had any issues and when I did speak to customer service with a question the reps are amazingly friendly. I recommend this service to anyone working on establishing their credit again. It’s worked wonders for me. Easy to mess up your credit and twice as hard to build it back up!

Very happy. Like so many others, I’m working on rebuilding my credit. I was looking for a small personal loan with a half decent interest rate and just couldn’t find what I was looking for. I didn’t need the money for anything I just wanted to establish a new good standing credit line with short terms and affordable payments. Then I stumbled across this company and I was sold. You can pick from several options for how much you want the “loan” to be for, how long you want it for and how much you can pay monthly toward it. This is not a standard loan mind you. It is a self funded loan, meaning you pay into it the loaned amount you picked, the company takes the amount agreed on and places it in a CD account. When you finish paying the amount off, they release the funds agreed on and keep the interest that was earned as their cut of the loan instead of traditional loan interest changes that pile onto your payment monthly. For someone like me that doesn’t need the money up front for something and can afford a payment each month just for the purpose of establishing a new good standing mark on their credit, this is it. Hope this helps explain what this is and who it could benefit!

A happy customer :-). This app does exactly what they say it does: it builds credit and boosts credit scores. In order to make that happen sign up for any account that you can manage and pay on time and keep transferring the money to a secured credit card. These guys really report timely and to all three credit bureaus. This is the fastest and easiest way to build credit history and secure a credit card while raising your own credit limit using your own money. If you guys are out there having a tough time building credit or opening a non secure credit card I encourage a Self credit builder account, you can easily keep opening credit builder accounts and keep transferring the money saved to a secured card and raise your credit limit. With a self-raised credit limit your credit, debt to credit ratio and utilization will start looking improving and looking great. You can either keep the account open or once you get your credit limit to $3000 find a secured card somewhere else and get your refund.

Way Different but has a lot more Con than Pros. For the Credit Card as an example rather than pay out of your own pocket of a deposit for the card if you have a self credit builder they take from that instead your own money. Two is anytime you make a payment to the card they charge you interest or their tax on top of it. Other Credit Cards don’t do that! That should be taken out completely. It’s not a loan it’s a credit card. It’s more their way to get money out of you. Especially if trying to pay anything off. Plus you can set a date to pay anything it has to be On that day you trying to make a payment when you want to set up a payment for whether 3 days from now or two weeks from now but they want you to do it on that day. I have not seen Self do anything for my credit score but raise 2 points after paying off the loan which was a joke and didn’t do anything when I made on time payments. This is more for someone that does not have any credit and like to establish some credit but don’t expect Self to bring you to 700 or 800 quickly they may just give you two points and all money back.

Wow. Let me start off by saying this is a CO oletely unsolicited review, self has not imposed any need to review their app in order to use it. I downloaded self about a month and a half ago. My credit was thrashed due to a personal issue three years ago and I am now in a position where I am able to start doing something about it. I saw their ad on Facebook and decided to give it a try. Just last week my credit score jumped by 77 points due to my participation in their credit building program and it onky took an on time payment of $25!! I am now able to apply for a credit card in order to further build my credit and this would NOT have been possible had I not taken a chance on Self. Now this may not be the case for everyone, but the reason my credit score was so low was because I didn't have any accounts that I was paying on that reported to agencies. As soon as Self showed up my credit score soared! If this is the case for you and you need a boost in your score; Self is a simple, low cost way to rebuilding or starting to build your credit.

An actual miracle. I was super intrigued when I first heard about Self and I waited a few months before pulling the trigger. Well I wish I would’ve done it sooner!! Within a month my score went from 487 to 581. After that I applied for a totally separate secured card through a different bank and got approved. Mind you, my credit was so bad with derogatory marks that I couldn’t even get approved for a SECURED card before all this. (Don’t judge me lol) Anyway since I opened the secured card my score went up another 46 points!! So altogether, in just over a month, my credit score went from a 487 to 627 and it all started with Self. I am so grateful for the opportunity to rebuild after the mistakes I made in the past. I truly thought I was screwed for life and now for the first time in a long time I feel hopeful that I can get back on track if I keep working at it. All that said, I realize everyone’s results will vary and that for some people it may take more time to see that big of a jump. I still think it’d be worth it, worst case you see a small increase in your score and then get a nice savings coming back to you at the end! So my advice: if you’re on the fence just go for it, you’ll wish you had done it sooner!

Driver for 5 Guys Transportation & Jack Cooper Transportation. Well I had a misfortune out the gate! I got account to build credit, as we all do! I opened accounts (2) paid fee and deposit I made 1 st payment early & 2nd payment in time. Then the tables turned for me & I was having to go into hospital. I was proactive and called immediately sharing my concern of that fact I had no sick time =no income. I asked should I close my accounts and reopen them when I get my life back and hope that circumstances flipped around quick! It is advertised on the website if you can’t make a payment to call and they will work with you, BUT I was told account be froze and all would be fine since I was 1 month ahead! 60 days went by & I wasn’t released to go back to work & called it update them and I was told all accounts were closed due to delinquent payments! My credit score was so close to being approved at a decent rate to get a car !!! This SUNK. My CREDIT AND SET ME SO FAR BACK BECAUSE IT WAS MY ONLY ACCOUNTS !!! My score dropped 70 pts. Money I had paid didn’t even get returned as their contract/paperwork states! I called to escalate my accounts & they showed no record of me calling !!!:

An amazing opportunity. The Self Credit Builder personal loan(CD) has been an incredible journey to rebuilding my credit score after personal reasons not only took my credit score from a 780 to a 355, but I was unable to even get any type of Fico score to see what and how I could improve and recover from my credit devastation. After I signed up for one of their account options not only did my credit score continue to improve to over 111 points in a very short time(much shorter than “unnamed” companies promising promise’s they did not deliver and/or do nothing but take money with no results. I also was granted a secured Self VISA-an actual Visa card as well as with all on time payments you can be rewarded with additional unsecured amounts added for keeping up the good work! I also started to receive PRE-APPROVED offers from other credit cards ect. That helped build my credit up and am looking to build a home WOW Self also has a plethora of knowledge that u can access. Their customer service is excellent. Truly, they have changed my life and I continue to build up my credit score. I can not thank Self enough! Enroll, make on time payments, and watch opportunities open to you that you thought you might never get to! Thank you Self!!! With Sincerity & Gratitude, Your Loyal customer for over a year who gave me hope again

Below 500’s to above 600’s!!!!!. I was very skeptical about signing up at first, but my credit was so destroyed already, I figured what the heck. Before I signed up, I had a large chunk of 6-7year old collections drop off of my reports, bumping my scores to the high 400’s to low 500’s across all 3 bureaus. So I started looking for some ways to begin rebuilding my credit right away. I ended up choosing SELF, and I have only paid 2 months on my account so far, and my score is around 600 across all 3 credit bureaus already. I am literally counting the days until I can pay off my 3rd month and qualify for the secured credit card through them as well. That’ll be yet ANOTHER positive line of credit on my reports, and I seriously can’t wait to see how it helps my score. I will update my review as things continue to move along. I am beyond satisfied with this service, and I plan on continuing to use SELF even after I finish paying on this first account. What a great way to keep a positive line of credit open and watch your score climb!!!!

So happy to build my credit. A couple of years ago I got injured. Lost my job without getting fired and I’m still technically on CVS’ payroll system because they send me checks whenever there is a lawsuit against them. I have alerted their team as well as my old store manager of this several times. I’m still on it, whatever I don’t care. I’m just happy that after I had to max out all of my credit cards until I got another steady job a year later. I am now back up to 534 (which isn’t great but) after the pandemic hit it made it harder. Self has been helping tremendously, that 534 is coming back up from 289... I was disgusted seeing that after getting my score up to 702 at 20 years old. 289 at 23 and now 534 at 25. Thank you self, thank you for reading this if you did. I hope it helps you as much as it has helped me. I can’t wait to get the loan at the end of the term. It’s honestly kind of like getting a tax return when you think about it while boosting your credit. There’s no drawback. Even if you think about it in a negative way, your paying into boosting your credit and getting 95% of your money back? What’s negative again? By the way. It also has APR/APY. So at the end of the term you get more money than what you put in. I just noticed this. It started out at $1663 it now has more in it.

Do not waste your time. I went through all the steps to get approved for a secured credit card I had to make deposits into an account several months before giving me a credit card then I went on vacation with my family got down the Florida going through the parks paying for dinner then I got an email blue to verify my identity requested a picture of my drivers license a picture of my Social Security card Picture of the account information where the deposits are going A picture of my debit card I thought this was crazy after several months of them already having my information they requested and again so I told them to close the account don’t waste your time this could be a scamCouldn’t believe that after giving me the card I get an email because I use the card so much to buy dinner and different things but I was in my limit they requested more information and after reading the email it was like I woke up in Russia I thought I was dealing with an interrogation they wanted a copy of my Social Security card a copy of my drivers license also a picture of me holding my drivers license a picture of my debit card talk about trying to steal somebody’s identity if you use them be careful you could go through the same thing

Great for building credit. At the time of writing i’m 23 and had gotten a $500 card my sophomore year of college (O was 19). As you’d guess, I, like an idiot, maxed it out and walked away. Fast forward 3 years and I rent a house from my dad with some buddies (so no positive credit built there), my truck is in his name even though I pay for it, and i’ve been graduated out with my degree and working a “big boy job” for 6 months now. In 3 (2 payments so far) months, Self + a $200 secured credit card have boosted my score from a 560 to a 670. Worth it ALL. DANG. DAY. I’m very happy I stumbled upon their app through social media or something kind of random. After my 3rd successful payment ($100 or more total) I can get a regular non-secured $500 card through Self (not to mention wherever else now that my credit’s improved!) and i’m very excited to be moving up. I chose to pay ~$40 /mo to get $500 paid to me in a year. Self’s fees are like $40 or $50 and for the boost i’ve received so far it’s been incredibly worth it. I don’t usually write these kinds of reviews but I hope it’s helpful to anyone out there trying to build their credit. It is worth noting I didn’t have a ton of bad credit marks against me, just that $500 card I walked away from in college. I would also expect some sort of plateau soon, but so far the jump has been huge. I’m 100% planning on buying a new truck in 9 months and i’m betting the only reason i’d have been approved was because of Self 😂 Best of luck, y’all

DO NOT DO IT!!!. Don’t do it I signed up for the 725 loan took me a year to pay it off once I paid it off they only sent me a $50 check and told me that the rest will be applied to my credit card with a $625 limit. So as I’m waiting for the money to be added to my credit still nothing!! So I had to call and they told me now I have to pay the $675 credit card in full in order for them to reimburse me the rest of my loan. Or close The credit card and with the loan that they owe me they will close my account and my credit card will be paid off but that doesn’t benefit me at all so now I have to wait until my credit card is paid off in full in order for them to resend me the rest of my money !!! Ridiculous I do not recommend!!!!! If you do wanna apply go right ahead just don’t get the credit card or always keep your credit card paid in full so you can get your full reimbursement of your loan!!!!

Good stepping stone!!. I’ve been meaning to write a review to the developers of this project. It’s really changed the game in the credit world because all creditors and loan sharks want to do is trap you in a high interest, buy in, unsecured credit card where you’re getting messed over and your credit score barely even moves. I did the $50 a month for a whole year after hearing all the nightmares people go through with credit growing up. My parents were never good with credit and always in debt and told me to avoid credit at all costs. So I had no one to learn from or any record of credit till I was 21. I decided to do this because it seemed like the safest route for a beginner and ended up being the best decision I made. I’ve suggested this to all of my friends and family and they’ve had the same awesome experience with it. I went from 0 to 660 in a year and was able to get approved for a decent credit card. Nobody believes me when I tell them how my credit score is so good now as such a young age but whatever figure it out for yourself. I’m winning in life cus of you people at self. Y’all know what you’re doing keep up the good work!🫡

FAST RESULTS!. After reading the reviews prior to decide on going with this company over others that are very similar, I decided to leap with faith and take my chances, especially after seeing such great reviews. So I leave this review for the future people whom may walk in similar foot steps who decide to invest in themselves and repair their credit without breaking the bank…The biggest game changer for me was adding my rent, phone and light bill to report to the bureaus. FINALLY! I can reap benefits for those expenses vs. just watching the money disappear out my account. I was very surprised to see how fast a trade-line was added to my score for even just 1 bill and how it boosted my score by 41 points only a few days after signing up, connecting my bank and selecting the bills that qualified for reporting. I am still waiting for the remainder bills to all report however, just wanted to share my experience. I’m very pleased with the results thus far and excited to see where the future of my score goes. If you’re feeling iffy, just do it! Thank me later.

Starting to feel trapped by the ‘Self’ app…. Don’t know where to start other than by saying what I’ve went thru has been a great experience up to where they randomly close to 50 credits for 5 different reasons out of nowhere? When I’ve been making payment on the dot and never had a problem…. After finding out many people have this problem I wanted to close my account only to find that they make it extremely weird for you to by saying it’ll only be by check to the adress on file instead of my listed bank account… then go on to say that if I close my account it’ll be bad on my end because I still “owe someone” when in reality I signed up because it said you can get to pay yourself (save money while paying for credit increase).... as in you can pay for yourself to get credit after months of owing yourself… but no it’s so much more complex and hard to even talk to someone about closing an account but what I’m seeing is now… They’ve in essence trapped me in an “agreement” to myself to pay money I’ve never received in the first place to myself.. and if I don’t pay and leave the agreement, not only will they take massive amount out my credit account but they’ll also say I still owe them money for the loan I’ve never gotten! WHEN I NEVER SIGNED UP FOR THAT!!!!

Credit score went up almost 100 points. Opened my self account in August 2020. The pandemic made me think differently about finances and saving. Decided to build my credit to work towards buying a house so one of many steps I took was opening a self account to improve my chances at landing a decent mortgage loan. I have two bank accounts. 1 I use to pay all my bills on autopay, the 2nd is for household items and a little spending money. Once I started this self account, I adjusted my bills account to be able to make the self payments on time every month and then I literally forgot about it. Checking it once a month or so. I didn’t even miss the money I was using to make payments each month. The best part is now 1 year later I’ll get all that money back to invest, or take my family on a small weekend trip somewhere. I’ll be starting another one closer to the holidays to strategically complete and get a nice extra Christmas bonus next year.

Pay Your SELF hood for building credit. Self is good for credit building. Basically you are paying yourself monthly $$25/$48 into an account for 1yr. You also are able to get the self credit card after you have at least deposited $50/$100 into your builder account that money will be used for your credit card amount. Use less 30% of the amount on credit card each month. Still pay $25 into your credit builder account monthly as well as the self credit card amount due on the date it’s due. Reported to 3 credit reporting agencies to help improve/build credit.(look like a loan your paying off) to credit agencies. Only issue when paying on your account for credit card it takes 6/7 days seems to show on your available balance.. credit builder account shows a little faster (can’t use it) until loan up or cashing/closing it out whenever you want.(have it sent too a debit card to get your money faster. Takes about a week or so. Helps save money as well. No interest from your money sitting either. You’ll get back what you’ve put in. Reason it’s called SELF I’d imagine however I do like the Self Card. Using them for over 1yr now. Cashed out credit builder paid up credit card and started again. Best of Luck it helps those starting out..(read/understand) how it works

0-100 real quick lol. I started off with nothing no credit never owned a credit card but somehow I guess bc of that I started with a 527. I was just like “dude I’m not doing this it’s gonna take too long” my fiancé who has passed away but he was the one who forced me to download SELF. So he was showing me the ropes and within 3 months of paying ON TIME and I have it set up to automatic payments so I don’t forget but I was so excited I saw 590. But I wanted that 6. Sure enough about 3 months later of continual making my payments without doing it bc I have it set to take $25 out automatically every month and I had a 647!!!! When he passed away in September I wanted to throw it away but why? He helped me build my credit and I am in debt to him forever. After 6 months of not looking I check it today just to see what would happen after getting increases and paying them off. I have a 704!!!!! I wish I could post pictures on here but I wouldn’t recommend anything but SELF if you are a beginner. I have capital ones sending me cards now saying I’m approved for car loans like every other freaking day, mastercards, everything. But I just want to say thank you Matt!!!! 😇 up above and a thank you to SELF for helping my credit score grow so much 🖤 thank you guys. All they want to see is CONSISTENCY!!!

Impressed!. I don’t typically write reviews but so far I’m thoroughly impressed with Self.! I started using it back in December and as of rn (May 2021) my score has increased by over 100 points! My credit is still FAR from where I want it to be due to being young & making stupid mistakes early on. But Self has made it extremely easy for me to save while also building my credit. I have the secured credit card and the only thing I would say to keep in mind is that when you get the card you are automatically charged a $25 annual fee. Meaning that if your card starts out with a $100 credit they’ll take $25 of that to where you actually start out with $75. It’s good though bc you can then report that not only do you have a credit card open but you’re keeping it under 30% utilization. They send notifications whenever you go over 30% as well! I highly recommend it to someone who’s looking to make big purchases within the next year and need help building your credit.

Nothing has helped my credit score but SELF. I have to say I started off my 20s by something so stupid as signing up for a credit card just for a bag of peanut M&M and let me tell you that was the worst mistake of my life because that was when everything just went downhill for my credit I was young dumb and using my card on everything and paying the minimum‘s sometimes even skipping months which later on affected me in my 30s and now here in my early 40s… I have done numerous things such as debt consolidation and legal things to try and fix my credit but nothing is helped me as quickly showing me results immediately like the app “self“ it honestly has taken away the frustration of paying bills on time and doing it for me… And building my credit a significant amount all within just a few months! I would highly recommend everyone who is looking to fix your credit or get perfect credit use itself… I look forward to my future now because of this life-changing app!

Definitely helping my credit. I spent most of my life not really understanding credit, how it was calculated, and how valuable it is. I made some poor choices over the years and it caused me to have terrible credit simply because I was too ignorant to care of the effects of poor credit. As I got older I started to see these effects on my life and decided to make a change. But there were fewer opportunities for me because of my history. This lead me to searching fir secured credit cards in order to try to build credit over time. I was introduced to Self by my wife who already had started a credit builder account. It seemed like an easy way to save money and build credit so I started one of my own. I’m happy to say that my credit score is slowly building and is looking more positive every month. I was just approved for a unsecured credit card from another lender - the balance is low - but it’s an improvement on the rejections I got from before. I’m gonna keep doing Self because it’s easy and it actually help. Just pay on time and things will start looking up for you. It just takes time.

Helped me twice. Self lender is an innovative way to help one save money, invest money, and build credit. The first time I had an account it help my credit score a lot after taking a hit from medical bills and buying a car lowered my score for a while. I also was able to get the money I invested easily due to an emergency and close the account. I’m now on a second account and will follow through as I am better financially and not in debt as much anymore. Self Lender has revived my credit score once again from the dead and now my credit score is higher than it EVER was!!! I love Self Lender not only because of my credit score raising but also it forces me to save money because you can’t just withdrawn from it like a bank card can. It’s an investment in you, your credit and a forced savings. I recommend it all the time to people but they don’t believe me that this exist! Oh well their loss! Paired this with acorns to force myself to save money and invest as I am 30 now. Will always continue using self lender!!

I could t believe it! It’s definitely gave me hope!. I wish I would have started much sooner ! I heard about self probably a year ago and I was hesitate because I felt like nothing would work! After going back and forth and feeling like there wasn’t really much to lose I started my journey may 29th 2021. My credit score starting was at a 546 and just by signing up my credit score jumped 29 points! It went to 575 and I hadn’t even made my first payment. I was incredibly impressed and it honestly gave me hope to a hopeless situation! I went ahead and made a early payment about 9 days ahead of time. My first payment is set to be due June 29th and honestly I cannot wait to see what the score will be even then once it’s officially reported to the credit bureau. I’m very hopeful in the months ahead this is a amazing opportunity and I’m so thankful that I’m given a second chance , this is great for anyone who needs to improve their credit. The goal for me is to purchase a house in the next two years and the way things are looking it might be sooner. Thank you SELF! My advice is don’t wait start now!

I was new to Credit. I was 18 to 19 year old when I started using Self I was completely new to credit I was on ssi my credit history was extremely limited I could barely get any cards now I got my first credit card by self without impacting my credit I follow there guides I don’t carry balance over I paid everything using statement balance, I now 20 year old I open 2-3 credit builders and paid it in full to increase the credit limit on my card, I now have 4 cards and all Thxs to self inc for helping me. My advise for everyone is credit card are same as a Loan but on a card you have to pay loan back otherwise you get charged interest get more debt never do minimum payment unless it like 1$ carry over your interest for next month owe would be like 30$ pay it in full be smart not dumb. I use the card base on my work check if I get 500$ I’ll buy items doesn’t exceed my bank account I’ll pay it off next day using ach without fees. As long as you use credits card every 4-6 month it never deactivate for inactivity. You always build credit with 100% payment no late fees or nothing I waited long time before I made review I think self deserved my review as a customer.

Works as intended.. I’ve had a great experience with SELF, they even give me like a reminder text when my CC is soon to be due and the app is quite easy to look at. Since the latest update it looks better than years ago and it’s just easy to use. Your balances show up quite nicely, being new to this it took some getting used to before I got a handle of when the new period would start and when the balance would be paid by etc.. but once I got it it was history. I can’t prove they report to all 3 credit offices I just take them at their word. What they reflect my credit is isn’t as close as what I’d like it to be when you look at Experian or transunion sometimes off by 40 points but it’s close enough I guess. They up my credit every 3 months after the first 6 months by $75 bucks because I haven’t missed a payment and always been on time for the past like year and I’ve had my credit builder account in the same standing for the past like 14 -16 months so that helps.

Happy customer. At one point in time i had a 388 credit score. Did a lot of research over the years and made some great credit decisions to bring me back over 640. One of those decisions was using Self. Don’t get me wrong, it’s still a bill to be paid, but the opportunity it brings is entirely worth it in my opinion depending on your circumstances. With auto pay set up it’s basically a waiting game, and once you’re able to get a credit card then the real fun begins. Sticking to the advice delivered by the app while applying my own personal advice which is to use 30% of the credit card for gas and other things i was already paying for helped me get where I needed to be. Just remember, this is a tool not a house. If you’re trying to climb out from the horrors of bad credit, you need a plan not some random app you think will help, you need to do research and follow a path. From there, i definitely recommend making self a part of the plan. So far it has been 10 months with self and i can say Self is responsible for at least 100 points of my credit score growth. To anyone joining the journey, and those still going through it, I pray you find a way.

Don’t do it. I opened an account in November 2022 and closed it on February 2023 my credit went down by opening my self account then payment are crazy. For evey transaction they charge 5 dollar, lets say you have to make a payment of 150 dollars but you made a payment of 149 by accident and now you have to pay 1 dollar, they still charge you 5 dollars for any transaction. Just know every moth you’ll be given them free money ($5) or more. And when i close my account everything got even worst, my credit went down even more, just know when an account is being closed that will impact a lot on your credit. the points they gave me on my credit wasn’t more than what i had when i started. If i could I would ask for my money back. Ahhh and the payout is crazy they ask for your ID-picture you holding ID - social security card bank statement with your most recent payment of self, too much, it’s so easy for the money to come out of my bank account but so hard for them to give me my own money back. I’m still waiting for the money and i close the account feb21, today is march7 and payout supposed to be the feb6th and is not even processed yet.

This App Has Changed My Life. I started using Self about two years ago. My credit score was around 500 and my options for financing anything were non existent. Nobody would approve me for anything. Worse part was that I had a Bankruptcy on my credit report and no credit history for 10 years. I started using the Self Card with $250 prepaid funds and have slowly built my credit to almost 700. I could have never done this without Self Credit Builder. Best part is I check my score constantly and every time it goes up so does my self esteem and general mental health. Self has also started giving me credit that is unsecured…and that means a lot that somebody believed in me when nobody else would give me the time of day. It’s not easy and it’s not magic…but if you are truly willing to be more disciplined with timely payments…Self will be there with you. Best part is now people are showering me with offers and I realize this Self card is really all I will ever need.

Highly recommend this app and I’m usually a skeptic. I couldn’t say enough good thing about this app/program whatever you want to call it. Yes on my $600 total paid I got out $514 or something like that. However way I looked at the whole time was I was saving. And with saving interest rates being essentially 0, which is ridiculous but true, having an app that saved money while building my credit was a godsend for me and helped me drastically with my credit. I paid my account off after only like 4-5 months because I could. My only suggestion and it’s not a huge deal but was definitely an inconvenience and a bit misleading was that it gives you the option to either pay out after the term that was acceptable at the beginning is over or to pay it out once it’s completely paid in full, and it states they would be immediately once it’s paid in full. So once I paid mine in full I had assumed it would be a day maybe 3 at most before money was in my account. It’s been 10 days already and it says it’ll be on 8/13 so Thursday. But that will make it 12 or 13 days. But other than that minor inconvenience the app is amazing and I’d highly recommend it.

Self works!!!!. When I started using Self about a year ago I had nothing positive on my credit report and really nothing at all after filing bankruptcy about 10 years ago. I never cared about credit until I got sober and started adulting again. So here we are and one year later my score has increased almost 200 points!!!! I have it set up for auto payments so I never have a late one as I tend to forget when anything needs paid. I do $35 a month and honestly don’t even notice it’s missing from my bank account at anytime because I’ve got the secured card to back me up! I’m telling you if can or even can’t afford to start using self do it ASAP you won’t be disappointed!! It helps with the whole “you need credit to get credit” line that many of us hear and don’t know where to start!! Thank you self as I can apply for my own place FINALLY after 2 years with the dad in-law!! Saved my future and freedom 😁

A Da** Scam. Self has a beautiful proposal, a savings account that will also build your credit (for a small fee of course) they kept trying to incite me into a credit card account but I’m always skeptic of those. I finished my self loan earlier than scheduled because I need the funds from my account to go towards a car down payment, but I didn’t want to close the account with a balance. Self gives two payout options, immediate direct deposit and a check in the mail. I selected the direct deposit and waited 3 days just for them to tell me I needed to (confirm my identification) send them a picture of my if and bank statements. They said the process would take another 3 days to complete. What got me was the bold letters at the bottom stating if the process was not completed in 15 days they’d keep my money. I was outraged because not only did they decide to verify my as I’m closing my account, we were 7 business days deep in the interaction because they weren’t responding in a timely matter. It’s now been 13 business days and I’m yet to get a response on my identity conformation. As far as helping clean my credit score up, that was done. But don’t download this app expecting your money back after doing research there’s a Reddit community of people just waiting for their money back. Uber-disappointed

It’s worth it if you’re patient. I started self with a credit builder loan of $150/month. In the beginning, self lender did not really help my credit, it would go up here and there by just a few points. However, after a certain amount of time of being with self and making my payments on time they offered me a cc, I put $525 of my amount that I had saved so far towards it which would be my limit. Using the cc gave me credit that I didn’t have which made my score go up. I continued to use my cc which came in handy for a lot of things and pay it back on time every month or pay the full balance if I had it. I finally paid my self loan off ahead of time and they once again, offered me the option to up my cc which I did and now have a limit of $1,675. I started in may of 2019 with a score of 482 my new score as of March 2020 is 622. Now, I do also have a car payment that gets reported too so that may have also helped. Also, the loan portion is fully paid off and closed but I can still keep the cc if I want to or I can close it too. BEST OF LUCK!

It works and it works great!. So yeah, wow, it works! I spent my 20s and 30s making wrong decisions that hurt my credit. Now that I'm in my early 40s, I have started being serious about getting a good credit score, and on my way to that 800+ score still got a little ways to go lol... My score was low 500’s. The best thing you can do is start with SELF and comment on one of their affordable monthly plans. It's straightforward to set up and understand. Then get a secured credit card. SELF offers one. Pay your bills on time every month. In 6 months, you will start getting offers from all kinds of credit card companies. SELF has a credit card company that will match you with cards you have a great chance of pre-approval that will be approved. But seriously, if you want to build good credit the fastest way possible, SELF is your one-stop shop. Be patient. Nothing great happens overnight. It does take a little time, but as I said, pay your bills on time, don't start trying to apply for everything and end up with hard inquiries all over your credit report research. You will see why. It's fun to watch your score keep going up. SELF is a Great company, and I am happy to be a customer, and I would recommend it to any and everyone. Thanks, Self….

Self Worked for Me. I discovered this service in January of ‘22, and decided to try a $48/month for 12 months plan. I paid every month on time and at about the 6 month mark they offered me the secured credit card, which I accepted. I used it only for emergency purposes, continued to pay for my credit builder, and paid the card off in full every month. They even offered me an increase (although I would have had to put more of my savings down). I didn’t accept the increase, but continued to use the card. Well, my loan term was over in January of this year and I received the unused portion of my savings deposited into my bank account. Then I realized that my credit score had increased pretty dramatically, and I was able to get approved for a few unsecured credit cards. I’ve just closed out my credit card account with them, should be receiving my unused portion of the deposit, and I may even start another credit builder. I would recommend to anyone who wants to get serious about improving their credit!!! Great service

Be careful and I would not recommend it!. This been a nightmare! Four Months ago I decided to work on my credit because I do not have tons of loans to build my credit score... I decided to contact them. Wanting to be a good customer... I paid them the full amount in advance. Provided them with a picture of CA ID, SSI, Email, name, phone number and used my debit card for the full payment in advance. Two month later they asked for my debit card picture, which I found suspicious and uncomfortable to do... so I refused. They emailed me saying that my account been closed, I said fine... as longer as I get my money back. Four months later I still never received the service nor my money. I am so disappointed! I do not like writing a bad reviews, but I need help and please give me my money back! This is highway theft! Someone please help and stop this! It is not professional! Stop reopening my account without my permission... after you emailed me saying that, “you have closed it”. It’s or should be illegal (if it’s not yet!). I really do not have time for this, please stop!. The agreement was... your service and I pay you. You can’t deny me your service and keep my money!!!!!!! I do not ever want to work with you and I will NOT send you a picture of my debit.

Scam At It’s Finest. SCAM! DO NOT DOWNLOAD! Self gave me a credit card, one of which I had to pay a security deposit to use. So basically if you got a credit line of $325, before you can use a single cent, I must pay that amount. Essentially, it’s your money, at no time did Self give me credit on their behalf that I had to pay back, the money is my own. So in theory, if I load up $325 and spend it all, I owe myself? Correct; so I had a credit builder account as well as the credit card, my credit builder got up to $539. They sent me about $214, and the rest was to be used for my credit card for the security deposit, or so I thought. They never put the money in my credit card, as a matter of fact, they wanted me to pay another $325 for the security deposit, which basically means they wanted $650 from me, half they hold hostage while the other I use as credit. Displeased, I requested that they closed my account, with them saying they’ll use the $325 to clear my debt, a debt I have to myself, which means I’m owed $325, but no, Self is keeping that money, even though I took not one cent from them, they’re keeping $325 from me that I was saving. This is fraud at it’s highest level. DO NOT USE THIS APP.

Not sure. I’m going to be in a little bit of a bind for the day if I can make the mistakes that I make in this situation but I’m just not feeling like it is right for me to be able to get a little more than what I’m going through right now so I’ll let the rest be known for what I’m trying not to be in the middle of the process of making the decisions that I’m making right and then I’m not really sure how I can get the best outcome for the situation that I have in the past and how I’m going to get it done in a timely manner but I’m just really hoping that I’m able in the future to make it through it all together so I’m just not going to have a little more understanding about what to expect in terms of how I can get a lot of information on the way I need a lot more information about what to be honest with myself I know it’s a little more on what to make sure I am very careful about the situation that I’m going to be honest and I’m just really very careful in the process of trying not just to get my hands on it but also I’m going to get the most involved with my own business as a person who has been through this situation and that’s just not going through this kind of situation I can be very patient with my business to be the most honest with the person that I’ve ever had contact to sent to collections

💰 A universe of opportunities: Payoneer

Did you know that you can earn 25 USD from our site just by registering? Get $25 for free by joining Payoneer!

🧠 Join the movement! Experience the world's No.1 brain supplement

Imagine you at your best. All the time. Picture yourself at your sharpest and most productive. Your most alert and focused. Your most lucid, creative and confident. At work. At play. In every area of your life. Add Mind Lab Pro® v4.0 to your daily routine and uncap your true potential. Buy Now!

👉 Are you looking for an Adsense alternative advertising platform?

Adsterra is the most preferred ad network for those looking for an alternative to AdSense. Adsterra is the ideal choice for new sites with low daily traffic. In order to advertise on the site in Adsterra, like other ad networks, a certain traffic limit, domain age, etc. is required. There are no strict rules. Sign up!

Great way to raise your credit score!. After a bad breakup that left me with more bills than I could handle, my credit score sank to the low 500’s. I couldn’t get approved for credit cards or loans to work on my score and I felt like I was a lost cause. I was lucky enough to be approved for a car loan that improved my score to 560 but I was still STUCK. Then I found this app! Since beginning this app last year, my credit score has shot up to 615 and counting! The small payments are easy to handle not to mention the idea that I’ll be getting my money back in the end makes it all the more appealing! They offer a credit card after 3 on time payments so I’ve been a candidate for some time and I think I’m finally ready to take the leap and try it to keep this upward trend on my credit score going! Honestly, love the app and would recommend to anyone in a tough spot that needs to build their credit.

Credit Made Easy!. Honestly this has been the most simple process of regaining credit. You pick a monthly amount to pay down the loan they give you. It’s reported to all 3 Credit bureau‘s. It will show up as a loan at first, ( holds same weight as credit) then after 3 on time payments and paying down a certain percentage of your loan ( not a lot at all) then they offer you a secured card which reports as a credit card and you still have your loan reporting! Genius idea! You don’t have to make a deposit on the card because whatever amount you paid the loan down with becomes your credit line! Oh and guess what, at the end of your loan…. They send you alllll your money back in the form of a check or direct deposit. Now you have great credit, a secured card, and over $700 to put in your account.

fontana ** NEW IMPROVED CREDIT**. self is a great card to help your credit as I was trying to purchase a house I have went up 86 points from this alone there’s also another account called the gold card from Open Sky and I went up another 50 points on that as well without the Self card having a Self CD for myself and my husband I don’t know where I would be right now it only took three payments for my points to go up 86 points which is a lot I love this company and would recommend it to anybody looking to improve their credit and I thought there was no hope for me I honestly did good luck.. all I can recommend is please make sure your payments are on time and you should have the same results because if anybody in the world thought differently it was me so it’s real I would just check it once a week as what I normally do make sure the payment and everything went through and everything was good but I never had an issue wonderful company

My experience. My experience has been a roller coaster, I went from having a great experience with self . To not so promising. This app is great and I wish everyone to succeed with this app . But make sure nothing changes or you will never be able to work with them again. I’ve been trying to get my card back but due to them not being able to verify , something that couldn’t and wasn’t ever mentioned what exactly I lost all my chances of having a card with them , but yet I could still send out money for them to report to my credit which kinda throws me off. Wish there was better communication. Customer service , doesn’t help much and there way of handling things aren’t the best . Just wish I had more options of trying again. Had this card previously for over 3 years and just with a switch of change of address (in what I would think would have been the only reason to not verify me ) messed up all my chances of being a customer.

Raise Your Credit Scores. This is a good app. While having my automatic monthly payment sent to Self for the Credit Builder, after my first 4 months, my credit score has risen by 3 points on Self, but I noticed that while having a Credit Builder account with this Self app, my credit scores have risen by 30 points with Credit Karma. And If I log in more often to Self, it has an even greater chance of raising my credit score with Self and other credit score sites. At the end of your Credit Builder contract which is two years, you can either renew it building even higher credit scores, or stop it and withdraw the total amount you used to build your credit with to use the money however you like. If you withdraw too soon before your two years is over with, then you will have to pay a very low penalty fee. You can start your Credit Builder account with Self for the minimum of $25 per month.

Satisfied with the service. I began with SL in March of 2018 with a $500 loan to self. When I signed up I didn’t realize that they would charge me I believe $12 or $15 on the front end, but I went with it. I gain a total of 106 points to my credit score by always being on time. The only frustration I had was the wait time after completing my obligation it was more than a week before I go my direct deposit back to my account. On the bright side it was in the amount of $545 so maybe I gained a little. Additionally, now that I have closed the account I now have a .01 charge pending in my bank account for what reason I do not know. There is not an option to call to contact them as well. It’s only via email, but I think I recall they called me when I reached out via email about my deposit back into my account. I never understand as quick as companies run a withdrawal on your account it takes days to deposit your refund.

It’s definitely beneficial. Self is an amazing app! It helps builds your credit while in saving for yourself! I definitely recommend it. My parents told me about the app and since then my credit has raised tremendously as well. Something that is very important is that you have to make your payments on time at least for 2 months straight. You set your goal you set your balance of how much you would like to save. No matter the amount as long as you pay that amount on time each month your credit score will go up but why not raise your savings. I now have a credit card with self with my deposit being my own money that I saved up! Only thing about it is that your credit score is not up to date on self make sure to download credit karma to see your score. Definitely 5 stars

44+ points. I like using this app, i pay about $25 dollars amount for a CD savings that matures by 2021, and I’ve had my account for three months already and it’s already gone up 44+ points. One thing I would like to see is to be able to change the amount of money I am able to withdraw from my checking unto self lender. As in I could either split the payment according to my biweekly payday or If possible be able to add a little extra money instead of having to wait the beginning of every month for the funds to be withdrawn. Also, the self credit card I was offered and I wish I was able to add security deposit to raise up the credit limit as so far only ur self lender savings is what funds it. But overall I like the app because I was able to finally get approved for a high credit limit credit card that I have been wanting because of student perks in conjunction with your grades. (Discover it student card).

They're just awful. I used the app for a guess about two years. Their credit card is not very useful, with low limits and an extremely aggressive fraud system that seems to lock my card about once a month. I never missed a payment, was never late, and for the most part paid my balance nightly. The good news is using the card my credit score went up about 90 points. I've had a number of really terrible interactions with their support staff and finally I just said look I don't need your card I don't like your service and I don't like you. Just close my account. I didn't get any kind of response from them and I don't even see my account as closed either in their app or on my credit report. But my credit score dropped fifty points this morning with no adverse marks on my credit report and this morning I got an email from Self offering to open a new account for ~just a hundred dollars~. So I know what happened here. Let me put this another way. I spent many tens of thousands of dollars on this card over a few years ish, never did anything improper with it. All that time they've been making money on my usage of the card through metrics demos ads and transactions, I've gotten nothing but a small increase in my credit score that went away when I stopped using their product. No thanks, you crooks. This app is not just garbage, it's predatory. 2 stars because it's mostly what it says on the tin if you can keep yourself from barfing.

I wish I could say it was better. When I first started using Self Credit Builder it was great. No issues. When I was approved for the credit card EVERYTHING WENT SOUTH. Self customer service is HORRENDOUS. The reps give you the SAME COPY/PASTE response every time you inquire about an issue. They reported me late when I wasn’t, I even emailed them a screen shot of my payments and they refused to correct THEIR mistake. I emailed them about the fact that they tell me that they report at the “beginning of every month” yet on ALL OF MY REPORTS I have them reporting on the 18th and/or 30-31. When I call them out on the lie I get the same jacked up response but do they care? No because they already got paid and it’s NOT THEIR CREDIT BEING AFFECTED! Honestly I appreciated the credit builder but I regret my decision to take the card. As unfortunate as it is. I’m glad others have better experiences but this is wrong on numerous levels and the people at Self don’t care. And the emails from them and the review responses here show that. It’s a shame something so wonderful turned into a nightmare.

86 Points in Two Months!. My score has been raised 86 points in two months with SELF. Obviously I am making payments on other things but your investing in your own financial future. You borrow money that turns into your own money at the end of your loan term. Like why would you not invest in yourself. It looks great for payment history. I believe once you make 3 monthly payments and pay back a certain amount... you qualify for their Credit Card as well. (I’m sure pending some type of credit history with the lender) don’t miss any payments set up auto pay!!! The payment amount each month are low which makes this manageable for just about anyone! I haven’t had any issues and when I did speak to customer service with a question the reps are amazingly friendly. I recommend this service to anyone working on establishing their credit again. It’s worked wonders for me. Easy to mess up your credit and twice as hard to build it back up!

DO NOT GET THEIR CREDIT CARD!!!. I would give Self lender a 5 star rating if it wasn’t for their credit card! I have been having issues with the credit card since i got it. I’m writing this review as I’m here frustrated because the card has gotten declined multiple times in the last 2 days. I submitted a payment to my credit card to pay off the whole balance over a week ago and the payment finally went thru 2 days ago! So I just paid my account fully right, and i made a few payments using this card yesterday. It took multiple attempts until my payments went thru (card kept getting declined even tho i had all my funds “available”). Well today I tried buying lunch while I’m at work and my card gets declined! ARE YOU SERIOUS!!!!! Even earlier today I got a notification that i was eligible to increase my credit limit, which I was stupid enough to do. So now I should have more funds available but my card keeps getting declined even if my account online shows that i have available funds. This is just so frustrating. Idk if its a glitch or maybe it keeps getting declined due to maintenance or changes in my account? But this shouldn’t be happening!!!! If you submit a payment to their lender account it will go thru in the same day which is great, but not with the credit card account it will take up to a week. Y’all might want to be careful with that because it can cause your payment to be late! Wish their credit card system was as good as their lender accounts!

SELF CHANGED MY LIFE. The only way to be successful is trying and bettering your self making the right choices and joining SELF has been the best decision I ever made in my life as far as getting my credit back together I will never stop being with SELF why would I? it’s been helping me every since I started almost a year ago. All it take isMotivation and being responsible never spend what you can’t payback try not to go over your 30% if you have to it’s okay just pay it back and pay it back on time doing these things you will be like me I started with bad credit now I’m at the end of fair credit going into GOOD credit all within a year time it only can keep going up from here. (THANK YOU SELF) And this is a real review not made up just to show you I’ll post hands after this message 👋🏿🖐🏿👋🏿💪🏿💪🏿💪🏿💯💯💯

Really impressed. As of February 2023 I’m really impressed with this card, I’ve had it since December of 2021 and I absolutely love it. I try not to make huge purchases on it but I do use it as back up and if I run out of cash. I always try to pay the $25 fee but sometimes I have more money and do the $25 and extra if can. So far I’ve only increased my limit a couple times and I don’t use it all the time. Currently my limit is $275 and I just increased it to $325. I have a bad saving and spending habit but I hardly use this card. My credit score went from 500 as I messed up my credit being young and irresponsible with a previous credit card. Now my score is close to 600 and I couldn’t be happier. Really recommend this card for someone looking for their first or rebuilding credit. 5/5 stars for me.

Friendly Service and Easy to Use. This app does what it says. I was on the road to credit repair following a major car accident, which left me in a world of hurt financially. Needless to say I was on the road to making progress increasing my score about 6 points a month when I came across this app. I decided to give it a shot. By my second or third payment I started to see my score increase 9-10 points every month. So I can safely say this program helped me add an extra 3-4 points every month. When the opportunity to purchase another car presented itself 8 months into my term I called Customer Service and they were very friendly and happy to help me close my account and deposit my funds. The process was quick and easy and two days later I had my money in my account. Looking to start up a new account now that I’m a few months into my car payment and know I’m ok again. The car loan gave me a slight hit so this will help offset that.

Great program for rebuilding credit. This app/program is great for building or rebuilding credit. I didn’t have any installment loans due to my car being paid off so my credit was sort of at a standstill for a while. It won’t make your score skyrocket immediately but as you pay your balance down you will start to see your score go up a few points each month, at least in my case it does. It’s also great that it works sort of like a savings account or CD that I will get back after the time you agree to, for me I chose 24 months. You also have the option of a secured credit card once you hit $100 I opted out of that option due to the annual fee and interest which I’m already paying interest on the “loan” but it is a good option for those who have less than optimal credit and need a card. Other than that I really like it.

SELF is GREAT!!. SELF has helped me exponentially in getting my credit up & back on track to where I need it to be. Without the SELF Credit builder loan & getting/earning the SELF Secured credit card my credit score would still be in the low 500’s. Their low monthly payments make it feasible for me to pay on time every month. Also,with my payments being on time every month after a period of time I was allowed to get their Secured credit card. Now, I have my loan & my credit card which means both report to all three Major Credit Agencies. My credit score just keeps going up & up! Of course I’ve made all payments on time or else this wouldn’t be working for me. That’s an important point to make. I have nothing but great comments about SELF! Without SELF I would not have the higher credit score I have today. My credit score just continues to keep rising & I couldn’t be happier about that.

Wow. So instead of getting back the loan you paid off (which you already paid interest for), you are given a “Self Credit Card”. This credit card also has interest. You’re paying for interest on a “loan” and interest on your “credit card”, which you already paid for on the loan. This is a scheme for people who don’t understand how interest works. You are under the impression that you are given back your $ in the form of a loan, however it’s not that at all. I decided to take out a second credit builder loan to see if it would impact my score...no impact on score whatsoever and all it does is raise the spending limit on your self credit card (increasing interest and risk) every payment you make. Not to mention you could make a payment of $200 on your loan and the credit card limit on your credit card will only go up $100. So you stole $100 from me and decided I should pay interest on that $200 payment?! Do this if you absolutely have no other method of obtaining credit, but after first loan is matured just close the account or DO NOT start a second loan. There’s a reason they are doing well and it’s a shame.

Great app not great at information. This app is great to help build your credit AND to put money away for any occasion like starting the year and saving for Christmas or anything else. The only and biggest issue I have with the app is that it’s not very straight forward on payout till you get paid out. I was under the impression that as soon as you make the last payment you get your money in 2-3 days which is not great but is ok. But then I find out after I make my last payout that it’s a whole 10-14 days for you to get your payout which is a bit ridiculous. Also you can’t partially pay and then take some money out you have to pay the FULL amount that you said you’d save. So just a few things I would suggest. 1st if you want to have any money available from this early on and you can wait the 10-14days I would start with small amounts just so in case you need to pay it off early so you can do so without emptying your whole bank account to pay off whatever is remaining.

Beware of customer service. I have been using self credit builder for over three years, and never had an issue with it until this week. They legitimately locked my card over too many payments, calling it suspicious. I tried to contact people several times, and it took me several days to get a real human on the line in order to figure out what the issue was. Finally, they ask for my bank statements, which I had uploaded multiple times, in the correct formats. To begin, they should not be asking for this information period. The fact that I had to go through multiple emails, phone calls and recorded robot voices in order to reach someone to dispute. It was ridiculous, and I just canceled my card. I was planning to end my credit builder account already as it had served its purpose, but I am utterly disappointed by there via my personal information and car disputes.

Love Everything About This App!!!. I downloaded the SELF app immediately upon signing up. I have a credit builder loan acct and a Self Credit Card acct. Using the app has been a great time saver for me, and a MAJOR weight lifted. The Self App removes the guesswork, because it updates quickly, like basically in real time, and because of that, I’m always “In The Know”. It gives you a status bar to know where your credit utilization is, it’s super easy to make payments and/or edit payment methods, you can easily toggle “Auto Pay” on and off from the app, you can view statements, and even pending transactions that haven’t yet cleared (Always check pending transactions when you log into app to make sure you’re looking at your TRUE available balance). All in all, it is SUPER user friendly, and that, to me, is the icing on top of a cake that was already GOOD! This was the easiest 5 out of 5 for me. Great job, SELF!

This app changed my life for the better. This app turned my 560 into a 730 in a bit short of 2 years. I have rebuilt my credit to my goal of 700 with this app alone. You can earn credit from the CD loan, a credit card that starts secured then over time becomes unsecured, and also you can use the bills you pay as a means of improving credit also. This app single handedly rebuilt my credit to a point where any bank will loan me at least some amount of money, but part of it does require you to listen to the app. Don’t use more than 30% of your card, don’t miss any payments, this is very important. This is a shot for you to fix it, but it’s a 2 way street, do what the app says, make the smart choices keep on top of the payments and boom your credit is fixed. It is not an overnight process but this does pave the way and it really works.

The best look no further!!!. I really love this app it’s by for the best and I’m a huge fan of cashapp!!! But if you want to fix your credit and I mean fast if you know what your doing and a lil less fast if you just read the information given to you in the app. Either way you win win win. You your given a loan which is really to yourself that you pay off monthly which is like savings then at the end of the term you get a check in that amount minus monthly fee which min was 20 dollars which but the way slowly goes down if you pay on time every month and after your third on time payment they give you a self credit card. Just got that I’ll update you soon but just trust your credit will go up and you will literally save money with this app. I give it 5 stars 💯🥰

God answered my prayers. When I was 16 my mom ruined my credit. She took out a $30,000 car loan out in my name without my knowledge and it got repossessed. When I turned 18 and I looked at my credit report and found it. I was absolutely furious and filled a police report. The bank refused to take it off my credit so my credit was ruined like 300 ruined. I saw self on Facebook and thought to myself why the hell not. Since having self I’ve been able to raise my score enough to get a secured credit card and take another loan out to boost my credit. My credit has went from 300 to 570 in 3-4 months. My goal is 640 so I’m able to buy a house for me and my daughter. Y’all don’t understand how much they’ve truly helped me. 6 months ago I thought I’d never be able to achieve my dream of owning a home but because of self it’s actually gonna be able to make it happen. Thank you so much self! You’ve helped me get my life back

😎 Awesome 😎. This has been one of the best experiences with a credit card I have ever had. Self actively tries to help you rebuild credit from whatever mishap or hiccup came your way and diminished your credit score. Their staff is very friendly and polite, the app is easy to use and very user friendly. They give you wiggle room on payments before they are recorded as late, and you get access to a secured credit card 💳 until your score is high enough to qualify for a unsecured credit card. How awesome is that when you can’t get a credit card from anybody these days? The interest rates are minimal and you don’t have to link a bank account to make monthly payments. Self has been so good to me over the last year, I can honestly say I will be using their services for years to come. I highly recommend you give them a try even if you don’t need help repairing a credit score.

0 in actuality. So 1 Star is too high of a rating as far as I’m concerned first they make a mistake and don’t pull my payment for the month so I go behind and do it for them the next day they still try and hit me with a 15 dollar fee that I refused to pay and when I went to look at my balance (this would be the second month, instead of my 48 I paid being in there and not even counting the 15 if they had taken that automatically I’d still have 30 something yet my payment processed fine the second time when I did it my self and no one can’t account for how a 15 dollar fee for them screwing up equals a 24 dollar payment from me???? And then they just randomly close my account and are keeping even the 24 citing they didn’t receive the requested information when they didn’t even ask for any and we were still communicating about my missing money never mind the 15 (all 57 of it now) that was missing. TLDR stole my money then closed my account on me with no justification or reason and are no unreachable USE AT YOUR OWN RISK I my self will be making sure none of my friends and family even touch this horrendous service from these thieves

Help yourSELF!. Investing in Self is highly recommended. I mean read that back one more time; literally! Not only are you contributing to yourself but you are building your credit along the way with no strings attached. Staying consistent is key. Once your desired term is up, the funds become available or you can be offered a credit card. Now I opted out in the cc offered to receive my cash back which I funded in a savings. For me, the cc had a high percentage rate and I just don’t need another cc. You have options. In fact, I am looking to contribute again to mySELF. Some May say just contribute directly to your savings and don’t touch it but you don’t build credit nor are you able to show to the creditors your payment history. If you have made it this far. I say take the leap. The payout is seamless. SELF allows you to help yourself while just being consistent. Go for it.

Good program until it comes time to cash out. Overall the way this is set up is a pretty good method to rebuild credit. It isn’t a miracle but it’s a knot her way to show that you are making payments on time. However the bad reviews on payout are justified to some extent. I was 90% complete so I made a payment early with intent to start the cash out process. They will make it very difficult to cash out early. They changed my amount on three separate occasions to keep me below a dollar of the full amount in order to not let it process before the final month. I reached out to support several times with no avail. They also refuse to cash out by any method other then check which seems silly since they charge ur account directly each month. So overall not a bad idea to use them if you need to repair ur credit. Just be aware that they are more concerned with getting new users and their monthly payments then they are with cashing out loyal customers who have paid on time for a year- 2 years.

Disappointed in this app. I downloaded Self at the beginning of the year. I really liked the app and had no issues with the credit builder. The problem came with the credit card. I ordered the card in July and didn’t receive a card until September. I couldn’t see any information about the card until I activated and I couldn’t activate until I got the card. I finally activated the card and I was charged late fees twice and was reported late twice in the time period that I had no access to the card information. There was no quick way to contact the company. I waited for 20+ minutes to reach a representative about this. He told me that he could refund the late fees (why would you do this if I’m at fault?) but he couldn’t update the report to the credit bureaus because they have to report accurate information. If you’re giving me a refund for the late payments due to the circumstances, then how is it accurate that the payments are late? I got this app to build my credit and this app only hurt my credit further. Would not recommend to anyone. This company does not right their wrongs. I closed the credit card immediately after that.

Self credit builder -quick/ simple/ way to build your credit,save money app. Self credit builder account has helped me in many ways no other services can compete with, helped me save money while building my credit score in the same time Also gave me the convenience of having a nice credit card to spend pay my bills and also improve my credit score by simply making on time payments Are you trying to purchase a house or get a loan for whatever else you need but having trouble doing so because your credit score holding you back!!? Well don’t be stuck or get left behind getting loans can be very difficult with a low credit score!! But the self app will have you get your credit score back in shape build your credit within months, why not you owe it to your “SELF”!!!

Self Lender is The Gateway to build credit.. The program, Self Lender, has helped me and will help you tremendously in the case of starting credit. Usually, to start credit you need a credit card, have an auto loan, etc. Without hassle, you can start this program today and see results in just one month. My starting was almost a 600! Pros: • Good for those don’t want or aren’t in the position to pay a deposit fee for a credit card. • Autopay does the work for you to get the most out of your score when paying on time. • You can qualify to their Self Visa credit card when you meet their requirements in 3 months. • You get a refund at the end of your 1 or 2 year term without the starting fee of $9 and interest. Cons: • I believe you have to finish your term in order to qualify for your refund. If you ever need to cancel your subscription, then you may miss out on it. • This only scores your Vantage score and not your FICO. Your FICO could be lower than what you see. This is a legit score, but beware that applying to credit cards or loans, the lenders may use your FICO instead of what you see here. Overall, this program is absolutely worth signing up if you are one to start your credit scoring like me. I have no experience if it helps out damaged credit, but from other reviews that I have read, it helps for those ones too.

Quite Surprised Actually. Iight so check it out this is the most straight forward review you’ll come across I wish we could add screenshots First I want to say my credit score is trash before I downloaded all 3 credit bureaus reported “LOL”. So with nothing to lose I said why not give this a shot I can’t make it worse. With that being said I paid the $9 fee Jan 24th, to open the account. After which they let my know my credit vantage score was (487) first payment would be $25(I chose the cheapest plan) and due Feb 24. I chose the 24 month $25 a month plan. Basically they give you $520 in a CD, which matures with some interest at the end of the 24 months. Now in 24 months you’ll pay out $600, $609 including the start up fee. Now minus your $520 CD, you essentially pay $80 in interest over 24 months. Less than $3.33/month now after that math I said let it ride. So boom Jan 30 I got paid and was like hmm let me make a one time payment, of $25 why not. About 3 days later I get a notification my score has risen and I check to see it is now (524) Now today is Feb 7 my vantage score is now up to (610). I must say this is all pretty surreal but I’ll check back in with y’all in a couple months. But great app they’ve done what’s been promised thus far cant wait for great potential final results. Great Job Self.

Self Credit Builder (SCB). The one and only Self Credit Builder (SCB) has literally saved my credit life. SCB is not just a credit card. Every on time payment is put back into my account. I am using my own money! The SCB program comes complete with built in progress bar as my credit score increases each quarter; reminder emails so my payment history may stay positive; tips through my easy access Self App on how to make good decisions concerning my purchase and spending habits; and twenty-four hour Online Chat Customer Service Assistance for my own personal questions where I am given answers that are unique and geared toward my success. I control how high my Credit Limit goes and I can grow my savings account for later purchases or emergency use. My credit score has increased, and continues to do so! So can yours! Thank you so much Self Credit Builder!

Truly Amazing. I really appreciate the assistance from this entity. My credit score increased dramatically after a few months. I was skeptical at first but this account type and also the credit card option is simple and easy to setup and use. I started off with $100 credit limit, then after a few payments its more than tripled. Self also provided detail info regarding banking and credit accounts so I understood everything clear. If I could I would honestly just continue to save and transfer to my credit limit to increase it even more. I do haft to add some may not see the increase in credit limit as quickly as I did due to me making early payments like I do with other bills. Even if u make ur payments once a month they report to the credit bruea each month for each different account u have.

On Time Payments Not Reflected. So I have had Self Lender App about 3mths now and I am attempting to obtain a card. In order to do this you have to have 3 on time payments. I pay every month before I am due, the balance is updated but the on time payment does not show so I can request my card. I find mySELF continually contacting customer support just to have that on time payment reflected. I had one brief boost of 42 pts to my credit since I opened my account and an average of 2 pts per month added since ultimately it appers that my money is going more to the marketing and promoting of this program more than enhancing my credit score and no matter how much I give unless Im willing to write their support team and wait days for a response I will never gain access to the funds I invested. Please consider these expiernces before you place your money on the line for this company, because their primary focus is their SELF.

Credit. I wanna thank Self myself. It’s helped me a great bit. Until I ran upon this app. I didn’t know much abt credit. I just knew I never used credit before so I figured that my credit was A-1. Little did I know that wasn’t how it worked. I learned from Self how the credit system actually works. I then joined and paid exactly as it teaches me to. Since then my score as been going up more and more every time I check it. I just wanted to thank them myself for helping me. Get the two credit cards and the car I have received since I been in the Self program. I will be telling the world every chance I get how much of a blessing it has been working with this app. And thanks for all my dreams coming true. I’ve already started looking into getting my very own house built. I can’t stop bragging on this app!!! Keep up the good work Self. And thanks agn!!

Amazing help. Self has been nothing but a huge uplift in helping me get my credit score slowly up that ladder of relief. I was a little hesitant at first in going through with Self because I had been promised with other credit assistance companies that I would see growth within a certain amount of time and then there was nothing. They would tell me they would help me qualify for certain offers that would help my credit score climb so many points and nothing? After my contributions and me following through as I needed to I was totally misled. Self has been just the opposite of those other credit assistance companies that promise to help and DIDNT! Thank you self. I will continue doing all that I have to to continue to push my credit score higher and higher along with your assistance. You guys are the greatest!

This is a great opportunity. As someone trying to rebuild my credit after a chapter 7 bankruptcy I tried everything and was getting denied left and right until I came across this place on Facebook and I was very skeptical at first thinking that I would either get denied again and take yet another hit to my credit score or that is was a scam and they would take my money and I would have nothing to show for it. Then one day I just tried it by making the initial payment then I waited......once I made the second payment it only took about a week and boom I had a credit update 🧐 so I checked it out and boy was I surprised and excited to see that it was them! And they had reported to all 3 credit bureaus that I had been in good standing and my payment was on time so my score went up 41 points just that fast!

Awesome. Those that are seriously in need of rebuilding their credit to obtain a higher score for future financial security need to take advantage of this awesome opportunity. I say opportunity because you pay yourself each month and at the end get all your money back all while building credit in your favor! It’s a “No Brainer” so to speak! I wish I had only found this opportunity sooner. It helped improve my score once already and I’m using it to my favor again. Time flies, we all know that, so before you know it you’ll have your “reward” back when the timeframe you choose is over and the fee is well worth it. If someone told me I could pay $79 and increase my score over 100 points I’d be stupid to say no! So, just pay on-time each month and let Credit Builder do the rest! Thanks Credit Builder! M. Tompkins Jr. USMC Veteran Thomaston, Ct.

Best thing I ever did. Without question, SELF was the best decision I ever made. In less than two years I went from living in my 98 Chevy Astro van with a 420 credit score(I couldn’t even get a basic checking account), to today, the maturity date of my SELF CD, I have a 695!! Just bought a brand new car, 4% interest!, I have 5 bank accounts, 4 open lines of credit, a beautiful 1 bd home, I’m legal in every way and I couldn’t be happier. All thanks to the SELF app. It doesn’t just work. It shows you and tells you exactly how to manage your finances. I am a bartender and I talk to hundreds of people every day. So many people trying futilely to improve their credit, trying to use credit counseling, bankruptcy, even fraud to get through the plastic world we are all stuck in. I even have a coworker who tried that credit karma thing. NOTHING COMES CLOSE to the efficacy of SELF. 420 to 695 in 18 months!!!! Does it get any better than that?

Best credit builder, EVER!!!!!!!!. When I first downloaded, and put money into the Self app, my Credit Score was 541. It’s best to deposit the max amount, ($150/month)to see the biggest score increase, fast. After 3 months, you’re eligible to get a self credit card, which is basically a secured card, since it’s your money. Personally, I paid more into the account. After 3 months, I have saved a little over $1,000, and turned it into a credit card. In only 3 months, my score went from a 541, to a 660. I’m not saying The self app did it all, because I still paid all bills on time, and kept my usages 10% and below, but It definitely helped. The best part about it, is, after a year of payments, you get about 96% of what you put in. Best Credit Builder for bad, fair credit by far. Thanks SELF, once this 12 months is up, I will definitely do it one more time.

DO NOT WORK WITH SELF FINANCIAL. I started my credit building account with Self in November 2020 and everything was fine I made all of my payments on time but number one my score was never boosted at all so it was of no help and after a year of paying my $48 on time I receive my check in the mail only for it to be fake I have attempted to go to four different check cashing places including a bank & all of which have denied me to cash this check. Then I called Self on the phone to speak to a customer representative who simply tried to argue with me when I told him that the bank would not cash my check and he kept asking me why the bank wouldn’t cash my check and I told him they didn’t tell me they just denied it and he kept telling me instead that I need to go back to the same bank try to cash it again and if it denies it to ask them why they’re denying me cashing the check which seems like a really big red flag seeing that I’m going to all of these places repeatedly trying to cash the same check which is going to cause a lot of suspicion and they end up calling the police on me do not work with them they are a scam!!!!

Frozen my account. Hello, I used to have rave reviews about this card when I was working on building my credit. I did that very successfully and the second time I opened an account, it went badly due to being released from my job. So I couldn’t make payments on time and eventually lead to them closing my account and owing to them. Well, I resolved and settled that account and now when I try to go and open another account they are asking me for proof of my bank account that I recently left a large sum of money in. They have frozen it asking for proof that I can make the payments, well I sent them a screenshot of my bank statements and since it isn’t pdf form, the account was closed. I am upset and demand that I recieve my payout as promised by them, and find it strange how they can take my money but put it on hold like I didn’t just pay them with the same bank account that they need proof that it exists. I am giving them now a 1 ⭐️. It seems I have to dispute this with my bank when I have called and emailed and even have asked for a supervisor call back to escalate the pay out and no one ever calls.

Self building. I really struggled in understanding credit on how it works, how I can build credit back up and staying on top of it. It’s still a struggle but I am able to strive to do my best in continuing on building my credit with Self watching and guiding me in staying where I need to be. Correcting me along the way by sending notifications when im going off track or vice verse Reporting my actions to the credit bureaus and while watching my credit goes down and you can see this action takes place on Self App. Now, I have been with Self Building for little over a year and I have build my credit from low 500 to 618 with $500 credit line. Best start I ever did for myself. Also their customer service is very helpful, friendly and efficient. Need to start somewhere start with Self Builders. You won’t regret it Thank you Self App for all your help.

Amazing!. I had zero credit. I had applied for 3 credit cards 3 different times: my bank (chase) and discover student twice, all 3 times denied for having no credit history. I couldn’t get approved for a loan of any type, etc. I found Self on accident. Was able to get an account set up immediately and in the last 7 months, starting at 612, I have gone up to a 650. Yes, it’s still low for having a credit history of only 7 months old, but it has gone up every time it refreshes itself. I would not have credit if it weren’t for self. And the biggest bonus, I get most of my money, that I pay to them monthly, back at the end of the program. A savings account that’s builds credit? Can’t get better than that! If you’ve been considering it, here is your sign to join now!

🥰Jackie’s Got Her Lyfe Back👌🏾. Hi My Name Is Jackie ..And I Have To Say That I Am Truly Honored ..To Be A Part Of ..SELF ..Self has really honestly and truly given me my life back ..Not Having Any Credit To Do All The Things That We Need To Do In Life ..As Far As Buying A Home 🏠 ..Or A Car🚘 ..Etc ..This Was A Blessing For Me ..All I Had To Do After Going Thru All The Steps About How SELF Works Towards Helping You Fixing Your Credit ..WAS TO TAKE THE NEXT STEP ..And That I Did ..And Nowwwww ..I REALLY CANNOT BELIEVE THE ANAZING RESULTS ..THAT I AM WITNESSING RIGHT NOWWW ..!!! Don’t Be Afraid People ..Take The Next Steps Towards Repairing👩🏽‍🔧 Your Credit ..I Did With ..SELF ..And I’m Very Very Satisfied With My Results ..Self Really helps Repair Damaged Credit ..No Credit ..Etc. Self Is Also Less Expensive ..ITS AFFORDABLE ..Then When Your Done Paying ..You Get Baaack ..At The End ..!!! Thanks SELF ..!!! I’m Very Satisfied Of The Progress ..I Also Have 2 Of My Daughters Doing The Same ..And We Have Joyous Conversations About ..HOW HIGH OUR POINTS ARE GETTING ..AMAZING ..!!! Keep Up The Good Wrk ..SELF ..!!!👌🏾🙌🏾

Highly recommended. My credit score has been at 510 for a couple years and it has been so hard to get my score up. I have tried small loans and small credit cards and always got declined. A friend told me about the Self App and I was skeptical about it. I started using it about 3 months ago and OMG. I am still surprised and shocked how it has made my score go up so much. Now 3 months later my scores are Transunion 609 - Equifax 604 and it still goes up. I highly recommend this to anyone trying to build up their credit if they have low credit. Another A+ benefit is the money you choose to pay a month gets put into a savings account and after 2 years of paying, you get that back minus small fees. The fees aren’t even a lot. (They have to make some money) It is definitely worth it. After my 2 years are up, I am signing up again with a higher pay rate to save more money. Thanks Self.

Rebuilding credit, what a journey!. I started out May 2020. With a score of 484 I was stuck. There are a lot of companies offering secured credit cards but you need the $200+ for the deposit. This is not one of those companies. Self makes it easy with monthly payments to fit everyone’s budget. I have learned that automatic payments are key to building credit. As of today my scores are up by nearly 150 points, I have multiple unsecured credit cards and my family is in the best place it has ever been financially! It’s crazy to think that a year ago I was ready to file for bankruptcy. My outlook on the future has brightened tremendously thanks to Self! I really wouldn’t be where I am without them. I still have some work to do and hope to open my second Credit Builder Account in a couple months. Thank you Self!

Ms. Fancy. I needed to really help myself with fixing my credit and raising my credit score after filing a chapter 7. I learned about SELF from the Budgetnista lady on IG. It was the best thing ever! Please join SELF if you are learning about credit, credit score, getting credit cards, managing your credit, building up to 800 scores, etc. SELF will walk you through step by step and teach you how to learn as you go and manage your credit, save money, control your spending and learn to save it. So much. Pay on time payments. Receive a secure credit card with money you saved. Have patients and you won’t regret it! I’m all smiles. Wish I had this back in the days! One of the best decisions I’ve made. My credit went from dropping to middle 400’s to now around 680’s in a year and half. I’m getting a house now! Thanks SELF for still helping me today! Much Love, Carolina in Maryland

DO NOT USE THIS CREDIT CARD. My credit score was great until today and I was just pre approved for a home. I completed the Self builder program and got the self credit card. Just at the end of January the card started debiting my auto drafts twice causing my credit usage to go up. My credit is poor now. That’s ok though because I’m used to rinky dink companies like this scamming people. I just never thought that in the end of the program these things would happen. If you are looking at this review and still don’t heed to this warning, you deserve the problem you will face with this company. Again don’t do this program. It’s a scam. And Self, don’t reply with “oh I’m sorry you are experiencing…” I have emails from your office that show me disputing these charges and I have screenshots to prove the ups and downs your customers endure. Save yourselves you won’t be in business long.

Please wait! Impact Credit Scores - Self app comments loading...

Impact Credit Scores - Self 5.0.1 Tips, Tricks, Cheats and Rules

What do you think of the Impact Credit Scores - Self app? Can you share your complaints, experiences, or thoughts about the application with Self Lender, Inc. and other users?

impact credit scores - self iphone images 1
impact credit scores - self iphone images 2
impact credit scores - self iphone images 3
impact credit scores - self iphone images 4

Impact Credit Scores - Self 5.0.1 Apps Screenshots & Images

Impact Credit Scores - Self iphone, ipad, apple watch and apple tv screenshot images, pictures.

Language English
Price Free
Adult Rating 4+ years and older
Current Version 5.0.1
Play Store com.selflender.thor
Compatibility iOS 12.0 or later

Impact Credit Scores - Self (Versiyon 5.0.1) Install & Download

The application Impact Credit Scores - Self was published in the category Finance on 30 March 2018, Friday and was developed by Self Lender, Inc. [Developer ID: 1364215561]. This program file size is 84.09 MB. This app has been rated by 254,279 users and has a rating of 4.8 out of 5. Impact Credit Scores - Self - Finance app posted on 29 January 2024, Monday current version is 5.0.1 and works well on iOS 12.0 and higher versions. Google Play ID: com.selflender.thor. Languages supported by the app:

EN Download & Install Now!
Other Apps from Self Lender, Inc. Developer
App Name Score Comments Price
Impact Credit Scores - Self App Customer Service, Editor Notes:

Thank you for using Self! This app update includes: - Minor app improvements updates & bug fixes

Best Free Finance Apps List
App Name Released
Bank of America Mobile Banking 01 February 2019
Wells Fargo Mobile 18 May 2009
Testerup - earn money 21 December 2017
Intuit Credit Karma 18 July 2012
Cash App 16 October 2013

Find on this site the customer service details of Impact Credit Scores - Self. Besides contact details, the page also offers a brief overview of the digital toy company.

Best Paid Finance Apps List
App Name Released
Weple Money Pro 08 June 2011
IVelopes 13 January 2010
10BII Calc HD 20 September 2010
Adding Machine 10Key Universal 26 November 2012
Best Budget Pro 21 December 2011

Discover how specific cryptocurrencies work — and get a bit of each crypto to try out for yourself. Coinbase is the easiest place to buy and sell cryptocurrency. Sign up and get started today.

Top Free App List
App Name Released
Google Meet 01 September 2016
CapCut - Video Editor 14 April 2020
Messenger 09 August 2011
Facebook 05 February 2019
Microsoft Copilot 29 December 2023

Looking for comprehensive training in Google Analytics 4? We've compiled the top paid and free GA4 courses available in 2024.

Top Paid App List
App Name Released
Terraria 28 August 2013
Procreate Pocket 17 December 2014
AnkiMobile Flashcards 26 May 2010
Muse Dash 14 June 2018
75 Hard 19 June 2020

Each capsule is packed with pure, high-potency nootropic nutrients. No pointless additives. Just 100% natural brainpower. Third-party tested and validated by the Clean Label Project.