Leave a Review Self
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.Show lessIngrid A.G
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.Show lessDrakeShin
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!!!Show lessChayChay89
So far I’m impressed
I’ve been using this app since September of 2020 (now April of ‘21) and even despite being late more than once, a couple times much later than I would’ve liked 😒 still my credit score has legit improved by at least 20 points. Considering my lack of credit, along with the few things on my credit report being pretty much all bad, that’s so much better than I could’ve done on my own. Now the app shows that I’m eligible for a self credit card, which, After doing some research about, I’ll probably be getting pretty soon. A secured credit card that they already determined I’m eligible for since they set the requirements and then monitor my account to know when I meet them. So no hard check into my credit and no deposit to open the account since it’s based on what I’ve already paid into my loan with them. So I get the loan back in about a year and a half, and in the mean time I can have a credit card secured by the money I’m already saving anyway? AND it’s actively reporting all of this so that it builds my credit real time and I get to see the benefit from it all right away? Hopefully I don’t end up feeling the need to come back and edit this review, but so far there’s really not any downsides, just make sure You set a payment amount you can keep up with, obviously the more the better for your credit, but not if you can’t pay it once you get it going, so keep it within reason for your income. I really do love it so far.Show lessRedPDX3
Worth It
I stumbled onto Self Lender while looking for a secured credit card to help my credit. The whole process is easy and simple. Best of all my credit score has increased a whopping 100 points. The app is simplistic and easy to use. Self has really helped me with better credit management habits. Shortly after I signed up they introduced their credit card which uses the funds from your payments as security, so now I have a cd and a credit card. The amount is minimal of course, but if you’re using Self what do you expect? The app makes it easy to see credit card utilization and to keep it under 30%. The payment reminders (if you’re not on autopay) help keep me on my toes and are not overdone. When all is said and done the 100+ increase in credit score will have cost me around $112. ($80 for the cd and $32 in interest and fees from their credit card.) Using Self has been the best credit repair I have used to date. Definitely worth it.Show lessKMurray75
Changed my life
I don’t typically write reviews, but I thought this would help someone on the fence about this app! This has been one of the best decisions I’ve made as a 26yo rebuilding my credit! Not being responsible in my 20s, I looked up my score and had an embarrassing score of 467. I looked up what to do because I felt so discouraged. I decided to give SELF a try not having anything to lose, and I’m so glad I did! I started out with a score of 467 to now my score is 684 after just 8 months!!!! I’m almost to the 700s and I’m so thankful and happy!!!🙏🏼 I’ll be able to get a great car payment, house and self has defiantly helped me on my journey!!! I felt so hopeless 8 months ago. *just a tip on building credit* I also looked at my credit report and handled collections and got them removed! Got stuff settled! I suggest in also building your credit to look at your credit report and sort through all the bad stuff that’s weighing it down! But this app has helped me build a great credit history these past 8 months & I can only imagine a year! I also got approved for the credit card and made small purchases on it and immediately payed it off to just show I’m responsible! Just a tip that helps so much!!! This app makes it so easy to pay off what you’ve spent on your credit card. My score jumps up all the time now! Can’t wait to make it to the 700s!!! Download this app to help you on your credit journey it’s the best app to do so! Hope this helps, and good luck! ❤️Show lessMamaaWarrior4
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.Show lessBigBewtyHoooooooo's
🥰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 ..!!!👌🏾🙌🏾Show lessJacquiT.
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.Show lessElias Hayek
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!!!!Show lessAmyEP777
