Leave a Review Self
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.Show lessJ ReeL
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.Show lessgamechanger234
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?Show lessMr. Blue is dead.
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.Show lessLordProphet718
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.Show lesshauntings19
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.Show lessJohnnyFromMPLS
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!Show lessTempusTime
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!Show lessBlack_widow85
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!Show lesse91rr
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.Show lessheypipsqueak
