Self

I have Self for over 4 years and never had a problem with any illegal transactions. For two months I've had over $500 worth of transactions on my Self Card called Self Fraud and they denied my claim. Therefore over $500 was stolen from me and they will not do anything about it. They claim to have a "Platinum Fraud Protection" but obviously that's misleading and False. Be weary these folks are not for their card holders. They will allow people to steal your money and will not do anything about it. Our relationship was Flawless until I learned that they will not protect my investment. Seems like they are in on these fraudulent transactions to nothing about it. My scores only went up maybe 10-15 point by owning this card.

My review of this card would not have been poor until they locked my card without notice. Proceeded to ask for very personal information to verify who I am over a year later which I did not feel comfortable with at all. They should know who I am and be able to confirm my identity via verbal personal information, just like major banks, not by requesting copies of documents that could be used to fake my identity. As a result, my account was closed. I was disappointed at first but they did me a favor. Do not get this card. There are so many better options available.

Self stated on 9/23 I would receive my payout in 10-14 days now it is DECEMBER still WITHOUT any payout received These people closed my account without permission and still held on to my money. This is a scam. There are far better credit builder apps out there like kickoff or stellar fi. These people will only destroy your credit.

I subscribed for self.inc because I recently came back to the U.S. after many years abroad, only had a couple of credit cards, and my credit score was only about 780 in part due to, according to the credit bureaus, lack of variety of credit sources. I decided to add a personal loan to help resolve this issue. I did not need the money at all and could not care less about the $500 loan or interest on it.

Immediately after subscribing, my credit score went down about 15 points and it still recovering. This company has been no help whatsoever in improving my credit history.

What made me close my account today in advance of its maturity date was that a subsidiary of self.inc, a company named RentTrack, put an unauthorized hard inquiry on my TransUnion credit report, further lowering my score until I get this resolved with the FTC.

I am reporting both self.inc and RentTrack to the Better Business Bureau, and I strongly advise everyone not to use their services.

I enrolled in Self.Inc to rebuild my credit, but as life happens I was unable to make the monthly installments. When I realized this was not a good time to try and maintain this account, I called for a payout. I received less than $20 back... I paid about $85.00 into it! I was told the money was eaten up in late fees? Late fees? Paying myself?

SELF seemed like a great deal until they charged me 2xs for a late fee and locked my credit card- mind you this is all my money. You have to pay on 2 accounts which is confusing. They have no way on their app. To contact anyone- which for me is of utmost importance. I, like many of us, do not have time to look for contact to get help. Would I do this again- NO.

Self Credit Builder is bad with customer service! They're good with everything else tho, I must admit. They don't allow you to pay over the phone and when you pay thru the app, it charges too much for debit, forcing you to use your bank account; then take the money off a week later and not the same day! If you call, they'll discuss but won't help with the payments. Like come on, i rather deal with a person over a bot anytime!

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.

Hey y'all... I just wanted to tell my story.
I have suffered from chronic pain for many MANY years (since aged 15, im 38 now). I also dealt with addiction, in August 2019 I decided to change my life and get clean! I got my own place in Aug 2020, and in November 2020 I got my first self credit builder account! Yesterday I paid off my account and established 24 months of good payment history with all 3 credit bureaus! I am extremely grateful for this experience and I look forward to another two years of credit building with Self•! If you're wondering if this will work for you, don't hesitate another moment! Grab this opportunity while it's available! I'd recommend the Self App to any and everyone! Thanks so much Self!

This company is a complete scam. They continuously took my money for more than 16 months and yet nothing to show for it. My credit kept going from bad to worse until I found out about Blitz Recovery on the internet. Look them up...

I made sure to do my research before I signed up and Im so happy I did. My score from using self alone had gone up 55 points in just one month across all credit bureaus. I paid my bill before the due date, not sure if that helped. I had closed accounts and no new lines of credit open. I will be getting the self credit card once I qualify. IT seems the only negative reviews are if you miss a payment that they report it (which should be obvious) Stay diligent in making on time payments.

I requested a long time ago that my account be closed and they still tried to charge my bank $25 for an unknown fee. I haven't used the credit card so I owe them nothing but on there site it now shows that I owe them $25 for a return process fee. They just don't stop. Although already closed they stated they are closing my account because of this transaction not being processed. What nerve they have, they want to keep charging and probably think I'll pay that fee in hopes of getting my $1,300 they owe me. I'm not paying it. To pay it would be further dumb. Still haven't received a penny from them. Please please please help yourself and don't use them

I have been using self for 3 years now and have absolutely no complaints. They have done even more than I expected for my credit. The one time I had a question their customer service dept. was extremely helpful and very prompt and polite. All of their correspondence has been easy to understand. I have and will continue to refer family and friends to them.
Thank you SELF for being what you say you are. It is comforting to know that their are still companies that follow through.

This company is not here to help you! It cancels my automatic payments without giving me any notice and sends me an email that it's late just in time to charge me a late fee. Then I try to pay that, and it sends me an email a week later that it can't find my bank or my card even though it worked the month before, it just keeps stacking late fee on top of late fee and it literally won't let me pay it off. It's so sketchy! Do not use this!

Useless. Have had this now almost 6 months. Yes it shows as an account on my credit BUT shows NO payment history. Just an open account and that's all. So I'm out MY money and have to now wait for many months to get MY money back and for what? Everytime I ask them why payment history doesn't show as on time and current on any of my reports they shift blame and responsibility to the bureaus.

Just get a secured card from a big company and use that. You will be better off that way. Don't waste your time with this company.

Yes my score increased, but as soon as I got the card, the same card they hounded me about everyday, it dropped my score by 7 points. There was already a 25.00 charge on the card which is their annual cost to have the card. This is supposed to help your credit, not decrease it. Whatever you do, do not get the card.

After I had closed my account with © Self Financial, Inc. they took my credit score down by 16 points. After I had been a member with for over two years. I paid all my fees and bills on time. I have the right to cancel their crefit card and not be penalizes.