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Self

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Washington
1 review
0 helpful votes
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Life changing.
July 15, 2022

This really was a commitment to MY-Self. Wow, what a year of making that payment a priority and watching my scores rise. And now I get this mega payout I've been looking forward to! Self has been a great investment, something I would do again and recommend to anyone exploring savings and credit. They also made it so easy for me to update my legal name. As opposed to Ca$$hCrap. Self has made some incredible opportunities available to me. Thanks!

Date of experience: July 15, 2022
Virginia
3 reviews
5 helpful votes
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Scammers
February 2, 2023

I have supposed to receive my pay out over three weeks ago. I've sent in five different documentations and I keep getting the same generic email. For the past two weeks I've been requesting a supervisor and have yet had a call or a personal email from a supervisor I recommend y'all joining a company and setting up a account to a local bank or if you are currently with one. Please do not waste your time, money and energy with this company. You will not be satisfied.

Date of experience: February 2, 2023
Texas
1 review
5 helpful votes
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I had this account, lost my job and the credit card used I lost. I missed one payment and my score took a 100 point deduction, which defeats the purpose of my utilizing self. When you are already doing business with people who have challenges that are sometimes out of their control there should be some consideration taken. 100 points seems a bit excessive for the monthly payment that I used to save my money. I wouldn't recommend self.

Date of experience: December 23, 2022
North Carolina
1 review
0 helpful votes
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A wonderful experience
April 17, 2023

The first time I got a loan from self I payed it off too early which in turn I did not get to receive the credit increase ( over 12 months) because I did not understand how it worked. I ended up taking out another loan but this time I went the whole twelve months and during that time I receive a 49 credit increase and a few unsecured credits (when using the credit card responsibly) my overall experience was and is wonderful. I recommend to anyone who is wanting to build their credit. It's a journey but well worth it!

Date of experience: April 17, 2023
North Carolina
1 review
10 helpful votes
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This company stole my money, and then had the worst customer service ever. They had me make on time payments for two years straight, only to tell me that they closed my account, for not being able to get important documents from me they got 300 dollars from me. Not to mention never got my credit score to move more than 40 points. I will be contacting the BBB on this situation not fair l want what's rightfully my hard earned money NOW!

Date of experience: June 12, 2023
New Jersey
1 review
1 helpful vote
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Self
August 1, 2022

Do not do business with these people.
I have made $35.00 monthly payments for almost two years.
They cancelled my account claiming, erroneously, that I did not respond to their requests for information.
They will not refund the money paid to date.

Date of experience: August 1, 2022
Nebraska
1 review
0 helpful votes
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Easy and straightforward!
March 13, 2023

I didn't believe this would work as well as it has. My mom referred me to try this out for $50 a month and she said it would build my credit. I didn't believe her but I tried it anyways and self has helped me so much since last year! Now I'm done with the first year and at one point my score was up over 100 points!

Date of experience: March 13, 2023
Wisconsin
1 review
5 helpful votes
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This company is garbage
December 15, 2020

Do not use this $#*!ty company for any credit builder account. I had a lost/stolen card and payment did not go through, they knew it was lost/stolen and this company put a late payment on my account that was not even true. Basically had better credit before I signed up with these scumbags. And as soon as I found out about the payment not going through, I paid it. One late payment knocked my credit score down 55 points. $#*! this company, go through a local bank, they have credit building accounts that wont $#*! rape you for a couple hundo and would at least give you a courtesy email and call.

Date of experience: December 15, 2020
Florida
1 review
2 helpful votes
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Fraud potential
September 15, 2021

This company is not careful enough to help combat fraud. Their procedures and policies allow for fraud to occur. After several recent attempts to address this issue - the companies response was abysmal. This company should be shut down.

Date of experience: September 15, 2021
New York
1 review
0 helpful votes
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Scam!
October 26, 2021

They took a $100 deposit for a credit card that took months to come and when it did it did not work. Although I was not able to use the card they continued to take a $25 monthly payment out of my account automatically. When I asked them to close the account it did not happen and I still have not gotten my $100 security deposit back. It has been months. I also set up an account to build credit for $250. Once I reach that limit they continued to take money out of my account automatically and when I was finally able to get a response from customer service they sent me a check for $167. Self has cheated me out of hundreds!

Date of experience: October 26, 2021
Michigan
1 review
2 helpful votes
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Full of...
August 22, 2023

Self was so freaking amazing in the beginning, credit score went up as promised, got a credit card in three months as promised, credit builder account helped my score as well, and then it was time for my payout! EVERYTHING THAT THEY PROMISED IN THE BEGINNING, IT'S ALL A BIG FAT LIE! THIS COMPANY IS FULL OF SH...! DON'T TRUST THE PROCESS!

Date of experience: August 22, 2023
Massachusetts
1 review
9 helpful votes
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I saved $725 in 2 months and choose early payout now they are giving me the run around about when I will receive my payment it's been a month. I did it before and I got my payout Idk why they won't give it to me now its my money that I put in they didn't lend it to me so I'm confused. If you have any issues don't expect to get a clear answer they will tell you that they have to email hire up and they can never get a hold of a supervisor.

Date of experience: March 27, 2023
Massachusetts
1 review
12 helpful votes
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Stay away
January 10, 2023

Paid into self regularly on autopay and 18 months into paying with nearly $2000 saved, they decided to verify my account, why? Who knows. I completed the verification but apparently they didn't process it correctly. They closed my account and kept my money.

I cannot believe this is legal

Date of experience: January 10, 2023
Pennsylvania
1 review
0 helpful votes
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GREAT FOR BUILDING CREDIT
April 2, 2023

SELF is great and amazing for building credit. I started with a credit builder account and paid it faithfully on time & have seen drastic changes in my credit. I got the self credit card, it started getting even better. It truly does help! Make your payments on time & keep your utilization low & you will do great!

Date of experience: April 2, 2023
Wyoming
1 review
10 helpful votes
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Don't do it, nightmare
September 13, 2020

My credit went from 630 to 475 with in 3 month. Wrong email wrong address. You name it they screwed it up. Talk to them over three 3 months. With no change to my credit score. Called. B. B. B. State Attorney. And now, have had to hire a lawyer.

Date of experience: September 13, 2020
Massachusetts
1 review
12 helpful votes
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They put a late payment on my credit report and ruined my credit. I tried contacting them and I got no response. This is very troubling because I was never late. And have been paying on time this entire time. This is sad that they ruined my only chances of refinancing my home. Call self please contact me and let me speak with someone? This was a big mistake doing business with them.

Date of experience: November 21, 2020
New York
1 review
1 helpful vote
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Not even worth it
March 7, 2023

I joined self, to what I thought, will help build my credit. After faithful payments for 5 months, no progress. No change! My credit score haven't went up not one point since joining. A waste of time and money!
I then joined credit repair and seen a drastic change, in my credit score within a month.

Date of experience: March 7, 2023
Virginia
1 review
4 helpful votes
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I had a perfect run with Self until my last payment and it marked my account "closed" which dropped my score way down 92 points! Nearly over a year of payments and raising my score Over 130 points just for me to finish my punnets and my score plummeted 92 points! I called Self and they sent me a generic pre-written response explaining it. I am So Disappointed

Date of experience: June 28, 2022
New Jersey
1 review
0 helpful votes
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I'm making progress
April 23, 2023

It was really hard to balance toward self control to maintain my balance. When am I getting my check since I did so good. Even though I wanted my credit score to be better than it was it took a lot of me. But I still had that challenge to finish my goal.

Date of experience: April 23, 2023
South Carolina
1 review
3 helpful votes
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False advertising
September 12, 2022

I am so upset i spend 724.65 for 1 year to only get back 382.65 just bc of a stupid secure credit card i got that was closed due not no payment bc of financial issues, that was my money, i will never referre someone to this, this is a scam, not worth the time.

Date of experience: September 12, 2022

Overview

Self has a rating of 1.7 stars from 214 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers dissatisfied with Self most frequently mention credit card, customer service and late fees. Self ranks 328th among Loans sites.

service
112
value
112
shipping
13
returns
14
quality
102
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