Leave a Review Self
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.Show lessBrent Hutchinson
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 thingShow lessMike @ kelbieroofing
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.Show lessMindfulwombyn
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 worksShow lessMs.T system
Stressful
Auto-pay doesn’t work properly. I have my account set to be charged on the first of the month. I received an email saying that payment WAS received that day. Today, the sixth, I get an email that they attempted to charge my account again and that the payment didn’t go through. I look through my Self and bank history and they never charged me on the first. So I had received a false email. I now have delinquent charges due to a faulty auto-pay and emailing system. I liked this app until I referred my husband, that’s when I started having issues. My credit score did go up 40 points, but ultimately I know that it doesn’t matter because the same app is going to drop my credit score back down due to the faulty system. We live paycheck to paycheck and I specifically budget for this app. So the fact that the autopay doesn’t work really screws me over. I will not be using this app again once the loan is paid off. And I pray that I don’t get scammed out of my return like other people. I will be taking up dog-sitting jobs to try to pay off this loan faster because I don’t want to lose sleep over something that should be helping me. DO NOT SIGN UP FOR SELF! DO NOT REFER PEOPLE. It will end up hurting you if you don’t notice the auto-pay not going through! Don’t rely on the email, you’ll have to constantly be checking the app!
The 5 star reviews are also fake, they literally have an employee do 3 fake ones a day.Show lessDaskalayse
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.Show lessMerissamike
Developer Response
We're sorry to learn that you didn't have the best experience with us but we'll be happy to assist you. Our AutoPay feature will automatically turn off if your payment fails to prevent overdrafts and additional fees. Any payment to your Credit Builder account that is not received within 30 days of the due date will be reported as a late payment to the credit bureaus. We also notify you via email each month about upcoming payments and any overdue payments before they are reported as late to the credit bureaus. Please reach out to us M-F 9-5pm CST if there's anything we can assist you with.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 !!Show lessAjdjeowjxbfb
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.Show lessBito225
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
-SethShow lessSethMo480
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!Show lessLainah317
