Impact Credit Scores - Self

4.9 (261.9K)
79.2 MB
Age rating
Current version
Self Lender, Inc.
Last update
1 month ago
Version OS
13.0 or later
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User Reviews for Impact Credit Scores - Self

4.86 out of 5
261.9K Ratings
2 years ago, WildMikeZillaPeaPodMom
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
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3 years ago, ChayChay89
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!!!
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3 years ago, BigBewtyHoooooooo's
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.
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1 year ago, Brent Hutchinson
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.
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11 months ago, chris2997
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….
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2 years ago, Ms.T system
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
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4 years ago, Torinatorxx
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!
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11 months ago, missgesgo
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?
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3 years ago, dont get Self
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!!!!
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2 years ago, Ajdjeowjxbfb
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 $48 a month option, it makes the most sence with fees. Do the year get the credit card as soon as possible, use the full amount you have available to make the credit limit higher. On your second year what you need to do is pay the 48 as soon as possible. Itl say after it’s processed that you can increase your credit limit. Increased it as many times and as soon as possible. So every 30-60 days, your credit will show a balance decrease on the loan and a credit limit increase. The algarythym will love this. Repeat cycle till credit limit is about 1700. But don’t let the money sit there, you must increase the limit as many times as possible. It’s not about the amount of the increase, it’s about how many times you had a credit limit increase. Follow these steps for 2-3 years and I garuntee you you’ll see a way better score! My wife is also doing this and it’s working for her. Self changed my credit for life and now it’s off to the races !!
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1 year ago, Winter172
I was new to Credit
I was 18 to 19 year old when I started using Self I was completely new to credit I was on ssi my credit history was extremely limited I could barely get any cards now I got my first credit card by self without impacting my credit I follow there guides I don’t carry balance over I paid everything using statement balance, I now 20 year old I open 2-3 credit builders and paid it in full to increase the credit limit on my card, I now have 4 cards and all Thxs to self inc for helping me. My advise for everyone is credit card are same as a Loan but on a card you have to pay loan back otherwise you get charged interest get more debt never do minimum payment unless it like 1$ 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.
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3 years ago, Black_widow85
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!
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2 years ago, Merissamike
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.
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8 months ago, Duman$bev1
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 !!!:
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3 years ago, dbeezybaby
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.
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3 years ago, TempusTime
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!
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4 months ago, Niecey7103
Ms. Niecey
Wow! Where do you I start, it’s so many positive results. With my situation, I was given another chance, to get more credit cards, after years, not knowing how to manage my money. I heard of Self Credit Builder, when I researching, to do it, with another company, through online advertising, I liked what I read(even the tiny words, always, always, always, read them before you’re handling any type of business, and if feeling like, someone or a company, is rushing you, or sounds, too good to be true, 10 out of 10, It is) Listen, my credit scores has been improved, I’m getting positive results, if or when I’m handling business. But, just to let you know, you have to really buckle down, make sure you’re monthly payments, are on time and paid, and you’ll start getting better results, your scores will go up, know, it’s your responsibility, to do that. I just paid off my first credit builder balance, and now I signed up again. It won’t hurt your credit, if you’re serious and ready to buckle down, Don’t forget about, any debt you owe, it’s not going to disappear. Thank you, and I hope I helped, someone.🙏🏿
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1 year ago, Jr Maloata
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!🫡
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4 years ago, Ray dude29
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.
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3 weeks ago, Finally Feeling Like Adulting
I’m not one for writing reviews typically, but when it came to building credit outside of getting a credit card, which I haven’t felt stable enough to do yet especially after suffering a very rough time in my life when I was just starting life on my own, I felt really discouraged because I couldn’t seem to find any “credit building programs” that I had seen advertised that were what I was looking for or I didn’t entirely trust them. Every step I was looking to take to further improve my life required some kind of credit history and I didn’t think there was a good way for me to get there anytime soon. When I heard about Self, I thought it was a great idea that someone had come up with- Saving money while building credit!- it sounded perfect for me but I was skeptical. Eventually, I decided to give it a shot and in just 2 months my credit score has gone up 44 points!! I love that I can feel good knowing that I’m saving for my future and not spending, risking putting myself in debt, just to raise my score. I’m incredibly glad that I chose Self to build my credit. It’s been wonderful so far! Thanks Self!
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3 years ago, DrakeShin
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.
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3 months ago, AMothers Review
Self credit card builder
We all know before anything gets better and can start off a little messy but even though when I applied for self credit builder account my credit wasn’t in good shape at all however self focus was to help me build a better relationship with my credit financial situation first by teaching me to invest in myself practice making a payment to myself but in the process the proceeds contributed to building a better profile for myself as I did that some how when I completed the payment plan I did receive a check pay out but then I was offered to start the credit card builder account still with using my own funds this journey for me wasn’t easy I got sick I fell on hard times I missed days from work so it looked kind of ugly but they stuck in there with me and I stuck in there with them and look my credit is looking better every month . So I say this to say and I’m still learning my self just because a situation with your credit looks ugly in the beginning trust the ending can be very beautiful as long as your willing to stay committed even when life happens!
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11 months ago, Moonshine011
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.
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3 years ago, e91rr
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!
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3 months ago, AsphyxiAsian
Quick returns
I was working on my credit. Bought a car with a stupid high interest rate without a missed payment for two years. Had $1000 on a secured card with a credit union for two years. They kept telling me to apply for a credit card even though my credit was bad and it would hurt it more. I was beyond frustrated. I looked into ways to make my credit better and stumbled upon this. As always, you assume the reviews have to be fake with so many 5 stars. Idk. Maybe it’s the discipline it teaches you as well, but I too got great results almost instantly. As I started trusting them more, I bought into some of the other things like the secured card and bill payment reporting. I bought a car for 20% less interest rate than my previous and my score jumped up by about 200 pts over a year and some change. I did however grab a couple other credit cards in timely fashion to probably improve my score. My cards all went from secured to what felt like ungodly credit limits. Just learn that discipline and stay at it.
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4 years ago, kerwinc10
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.
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3 years ago, Salah Gaddy
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
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1 year ago, Mindfulwombyn
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.
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1 year ago, Mga22300890
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
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4 years ago, Anon1998_
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!
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4 years ago, SayGo85
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.
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1 year ago, Mike @ kelbieroofing
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
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2 years ago, SethMo480
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
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2 years ago, Money88
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.
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3 years ago, J ReeL
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.
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2 years ago, Lainah317
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!
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3 years ago, J. Ab
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.
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3 years ago, heypipsqueak
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.
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4 years ago, AmyEP777
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!!!!
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2 weeks ago, sierralexisj
Listen the card is great. I’ve honestly just had my first problem with the card, and honestly the worker had no information to give. Long story short, I have to get a new card. The sales rep could not tell me an estimate date of when I supposed to get a new card. Than the sales rep could not put in the order to get me a new card. The sales rep could ask me the same 5 questions serval times. The whole process was long and really never got solved. Now I have a self card I can’t use, and no estimate date of getting a new one. Honestly after all that I wish I would’ve just let the fraud charge go through because it was actually a win, win for the thief. I do not have a new card nor does anyone know when I will get one 😂🙄 and the whoever still gets the money and it my be credited back to me depending on when I get my new card, but again the representative has no idea of even an estimate time from. Like this is crazy. American business are literally robbing us everyday and it’s just nothing we can do but get robbed. So amazing. I bet new card or both they want me to pay my credit card balance on time. Smh. Literally so sick of the treatment
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2 years ago, ronquavious
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.
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3 years ago, gamechanger234
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.
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5 months ago, M⚠RC
Great Aide to Build Credit History
This is a great aide to building credit, and being on auto pay you practically don’t even need to think about it. I have considered depositing the max amount but I’ve been skeptical with good cause, it does cost more to save more and I figured the $48 plan was enough for me. I plan on continuing this service for the years to come as it continues to build credit history and allocate the savings to other things I need. The first hiccup I ran into was recently when I had to close a debit card and remove it as a form of payment and now my new debit card is not allowed to be used a method of payment. Sorry for the novel, all in all if you are looking for an easy way to save a few bucks while building credit history then this app is for you! Everytime you create a savings account it adds a new loan to your credit report, so make sure this does not fall in line with you buying a house. It will disrupt your credit score.
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5 years ago, Nightownaide
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!!
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3 years ago, JohnnyFromMPLS
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.
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3 years ago, LordProphet718
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.
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3 years ago, hauntings19
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.
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1 year ago, Lovetoreview1983
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 😁
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3 years ago, Etanlikey
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.
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1 year ago, Demj336
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.
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