ANDREW B.

There is no way this company actually investigates disputes, at least those submitted online. They wait a couple days then close the dispute with no change to the information. Meanwhile, both Equifax and TransUnion deleted the information I disputed. The only option would be to sue them, but of course they know we can't afford to do that so they can get away with such a poor business practice.

I am trying to rebuild my credit and did this Self Inc program. There was no hard pull on my credit, I did get my 'refund' when it was done and they did update my credit files with the tradelines. So in that sense it did what it is supposed to do. But the interest rate is way to high for what this is. They do not actually loan you money, you just give money to them. So this is a savings account with a very high negative interest rate. You are paying them to put a positive tradeline in your credit report. Keep in mind a new account will actually lower your average account age and be a slight negative. But what they charge is too much for what they do. Many companies out there take advantage of those trying to rebuild their credit and this company is one of them.