Self

DO NOT USE THIS APP. I HAD A FRAUDULENT ACCOUNT OPENED UNDER MY NAME, AND EVEN THEIR FRAUD TEAM REFUSED TO ASSIST WITH THE MATTER. THEY DO NOT CARE ABOUT BETTERING YOUR CREDIT.

After an emergency I needed to close my self credit card and savings account. I called the customer service number and closed the account. I was told I would receive my refund check within 7 days. Now 3 weeks later my account is still not closed and my credit card is showing past due and has been reported to all 3 credit bureaus. Their call center is not in the Untied States so their is nothing they can do. Run don't walk use any other credit builder program but this one.

You could never find a better example for why the US credit score system is a debt scam than SELF financial products. The initial credit building account has a predatory fee system right away, consuming 30% of your own money loaned back to you at ridiculously high interest just for the privilege of having them report to the credit masters. Then to make it even more predatory, they offer to let you use the balance of your money to secure a credit card, again for another 30% interest rate for using your own money. This is a disgusting way to take advantage of people trying to just survive and build basic credit for housing, insurance or other necessary things. I'd rather live without and pay cash for what I need than to ever be taken advantage of by this stupid broken predatory system again.

Self-credit builder is fraud. I was with them for 6 years and paid my bills on time and my credit score never grew with them. I took a secure credit card with self, and the customer service representative almost asked me to pay off the $500 when I asked to close down my account. I had to remind her that this was a secure card and I had used my own money to open the line. They do not protect your card, my card had multiple charges from one merchant in one single day. Self allowed these unauthorized charges to go on every month, and when I asked them about it. I was told that there was nothing they could. I don't recommend self financial.

I closed my account because I have noticed that even after making on time payments, my scores stayed the same. May have went up slightly but nothing major and I paid on time for two years. I closed my account and now all I see is past due, so I make payments to keep the interest down and so they cannot report that I am not making payments. Guys be careful of the interest, if you close the account and left a small balance it will continue to keep going up. Do not use SELF~ I checked my scores with the three credit bureaus and amazingly the scores are not the same as SELF credit builder. Theirs are significantly lower. Now, why is that? So I no longer check their scores, I strictly check the bureaus instead. I regret using them and is on a mission to pay them off totally.

I am a former Self customer who once believed in their services. Once my account was closed, I received an email stating that my balance would be sent to me within 10 business days via mail. Once received, I deposited and the check cleared the next day, a few days later my account was in the negative for the exact check amount. Self had put a stop payment on my hard earned money. I called and got the "run around" I will be reporting Self to the BBB and also retaining a lawyer, hopefully for a class action suit as this company is a SCAM! Run it's not worth the headache or an overdraft.

I volunteered to sign up with the idea that self Inc would help me. Instead they ruined my credit it dropped 87 points in 2 weeks because I couldn't pay my monthly bill. Also they reported me to the credit Bureau and my bank. Very unhappy and will be telling everyone I know. Bunch of thieves.

I have completed Self successfully on two different occasions I never had a problem and I introduced it to 6 family members. I had $1000 on my self credit card and was making the monthly paying time. They closed my account in August and I'm just finding out in September they closed it because they needed me to provide a state id. I did this in the beginning to set up the account. I never got an email and was punished unfairly for not turning in a document. I wouldn't advise anybody to use this company.

I have had my account now for about five months with self and it keeps telling me I am approved for credit card. I applied and was denied my score has went up I have applied for other cards and been approved but denied through self. But they are still taking my money and I can not cancel this with self. I am pissed off cause it is showing up on my credit report. What is the purpose? Pissed just taking my money

I had a self account and became sick with cancer so I called to tell them that I was not going to be able to make the payments because I couldn't work due to my health condition. They didn't care and offered me no options, they reported late payments to my credit. I called them and they told me that they had to report to my credit because of the law. Don't use this company it's just a bad company with an I don't care attitude.

I had a 440 score and after one month my score went WAY UP to 620 with one payment. I read reviews and really don't understand why are they complaining when they signed up with a low score from the start.

I chose the largest savings plan ($150/month) and every time it gives me the option to increase my credit limit, I do it. I also recommend you use a loan consolidation company like Liberty Lending to resolve all your credit cards / loans. I've grown my credit score from 575 -> 725 in 6 months and have purchased a home.

At first my score shot up. Then I noticed once I got closer to paying it off my reports were incorrect and my points began to drop. I did not miss any payments but they kept reporting I had a balance on my credit card account that I never really used. It says I used 60% when my balance was $7 with a credit limit of $350. How? I'm very upset because I thought I was doing a good thing to boost my credit. Total scam.

The credit bureau said it was definitely fraudulent and they ignored their calls and messages. I put $800 into the account. They allowed me to be hacked to the tune of 1,500. They saw nothing suspicious when there was 32 debits in one day for $5.10 to a cash app! I had some one order uber eats 8 times in one day in state over 3,000 miles away. They closed the account yet they charged me late fees and interest and my credit score keeps going lower and lower!

I was late three times due to the pandemic. I did pay them off in full and they won't change the information in my credit reports. They even recently reported that I owe them 125.00 on two reports and 39 on a third report. I paid them in full one month before they reported this information. The account has been closed three months before the recent reporting from them. I've contacted them several times to fix this. I keep getting a robot answer sent to my email stating that they don't correct accurate information and that late payments will still display. I'm not even disputing the late payments. I'm disputing the balance. I don't owe them anything anymore. It's been paid. Anyone who pulls my credit is going to think I owe these people money. I'm highly considering legal action against them

It was ok at first. Then I missed an automatic payment and they charged me a $15 return check fee. For a debit card. What a ridiculous way to make money off of me. I cancelled. Not to mention, in the 3 months since I started my credit has gone down 5 points.

I put $1000 into my account and everytime I look at its less than a $1000. Not to mention in order to pay $2 you would have to pay $4.75 in fees every time so a $2 payment looks like $6. Why are these additional charges and pinching of account something they do.

Signed up for them. Paid their Fee. Agreed to an outrageous 20% interest rate. With a promise of a better score. Second they appear on my report… My score drops 16 points. Now the process of removing them and I can only imagine more fees.