Self

This is nothing but a debt problem and a scam to get you to pay pay then pay for them to finally give you a debit card then you pay some more! Find a secured credit card with a company that will charge you a yearly fee to report good credit for you. Self is bad business throwing money away.

I had a credit card and credit builder account. Once I paid the credit builder account, I expected to receive $745 and was told I could get $200 back. The rest was going towards my $525 credit card that I owed $200 dollars on. A SCAM!

I know that it's up to me to get a handle on my finances, but Self really helped me kick everything into gear and get a full understanding of credit and finance. I started using self in 2020 with a 515 credit score and this summer (2022) I got 751. I couldn't recommend Self enough!

Everything was great until the actual pay out. Self pulls your credit limit increases from your loan. I did the 12 month plan and used my cc for emergency purchases and my utilization was close to maxing out. My pay was supposed to be $539 and I only received $50 and some change. Later to be told that the pay out was used as the total deposit for my cc. Being that I only received $50 and some change I'm thinking the other $$ would pay off my cc balance which I had no problem but nope. It's held as a security deposit. But was told if my balance was at $0 at the time I would have received the full amount. I'm really upset because 1. I was counting on that pay & 2. The pay out didn't even cover the funds used for my cc. So not only do I have a balance of $435 but I have a credit limit of $450 that's originally my money. I am very dissatisfied in Self.

Promise a 47+ boost in the ads it hurt my score do not use them I closed my account now I hope it's closed like they say... they incorrectly report to burrou I'm excited to possibly get a refund... do not use them... score will drop dramatically... no reason

So I made my first months payment on the 13th. My due date was the 30th this month. By the 16th I was noticed that my credit score had went up by 50 points. My credit was ruined due to my ex, and I had been in the low 400's and was building it back up, I had 16 accounts and was down to 4 when I got this app. Nothing was added or taken off around when my points went up. I am wondering if it is because of paying early. I'm not sure. I'll add some photos below to show. So maybe it can help others too. I will try to update once I've dealt with this more. :)

Great Service but technology is stuck in the 20th century. I have a self loan and a self credit card to build my credit. Both are set in autopay. On my Self credit card I charge $50.00 a month for my Fico service. The self card has a 300.00 deposit. It is set to autopay from my debit card from the bank. I had bank fraud and got a new card, forgot to update self. They sent an email, but who can really read all of today's emails? They could have sent a text and in two clicks I could have fixed it. Instead I missed it and they gave me a late pay on my credit and dropped it 50 points despite my 300.00 deposit on the card. Anyway, great service to build your credit if they would update their antiquated technology.

Self took my payout money when I was done saying I only had 2.14 cents and now I somehow owe them 63 dollars my credit has been dropping like crazy since I closed my account I don't understand you took my payout money so how did I owe them anything

For 10 years or so, things were worse than bad. Without going into detail, everything in my life had fallen apart. My 703 credit score dropped to 400. In 3 months! I couldn't borrow a cup of sugar from my own grandmother!
Then I found SELF!
I was able to participate and not break my wallet. They have a number of plans to choose from!
I signed up.
Checking the SELF App regularly, as my payments were taken out automatically.
1st payment, my abysmal credit score was up 4 points. My score had not increased in several years! This was gonna be ok!
Month after month, with regular payments made. My score continued upward. 18 points in the 4th month! After a year. Which I am celebrating this Month, July 22. My credit score is up 91 points. I still have work to do. And I may try this a second time?! I have the Self Card with a recently approved increase. It is still secured but I actually have a credit card and I can actually see the light at the end of the tunnel. Thank you SELF! My new BFF!

Same as many. I never received my payout. That was part of why I even tried the service. Saved and always paid ahead of due date. Every time I've tried to get my payout, I get NOTHING and NOBODY... Try a different service!

Scammers opened a Self account in my name and and took $57 from my checking. ($9 init and $48 payment) When I caught it and reported it to Self, they closed the account but only sent me $41.77 back!
They made some LAME request that "I go thru my bank"-- NFW! They took it, they kept it. I want my $15.23 back, as I did nothing and authorized nothing. I wonder how much money Self makes from this fraud!

I used this company to repair my credit but instead they ruined it and kept my $500 security deposit. I am reporting them to the Consumer Financial Protection Bureau http://complaints.consumerfinance.gov and I encourage others who's been scammed to do so as well. I was told that after a year I would get my security deposit back and never agreed to them keeping it to continue with a card because my credit was not improving. After seeing that they were keeping my deposit I tried to contact them a bunch of times but could never get through. They finally started emailing me once I stopped paying their fees on my money. They stated that the account was past due and they were keeping my deposit to cover it but I still owe them almost $200. They said my account was closed but on my credit report it remains open and racking up late fees plus damaging my credit. I told them the account was still open but they insist that it was closed and that I owed them money and they would continue until I pay it. Don't do business with this company. They lie about everything and steal from customers. This is so not fare to people trying to improve their credit.

Don't ever loose it have a discrepancy with your card, I've been without a card since late October of 2022, because of a discrepancy my card was cancelled and was told they were issuing me another one which would take 10 to 14 days it's been well over 14 days no replacement card came, when I contacted the customer service was asked was the address I had in file the right address I informed them yes, however they informed me that they would have to cancel the card that never came (how when it was never activated) to resend one which would take an additional 10 to 14 days which is unacceptable to me seeing that I've been without a card since October.that policy needs to be altered for situations like this.

Took my money they kept it for 5 months for a reason they didn't tell me. They took a great chunk of it and send me the rest. They finance department doesn't have a phone number. They do not tell you why they keep your money. ALSO
There will be a HARD inquiry on your credit when you open up the account. On their website they have written it will not do that so there is your FALSE ADVERTISING guys!
There is a million better ways to build credit. Don't choose self

I started Self Credit Builder with a mid-500 credit score. After about three months of regular payments to Credit Builder, I was eligible for a Self Credit Card. After making my monthly Credit Builder payments I was able to increase my credit card limits (given an option of how much I wanted to put towards my credit limit increase). After 12 months of 'building my credit' I have increased my score to the 700s. With on-time payments, and credit card usage kept at a low, my scores from all 3 Credit Bureaus started reflecting the positive changes. I was not well-educated on the importance of having descent credit. Self Credit Builder helped me to correct a lifetime of bad habits, while giving me something to literally look forward to. Simply put, this was a life-changing experience and I truly have no regrets!

With so many options, why choose self? My score wasn't great, but it wasn't too bad. When I opened my score was 655. It's now at 670.Im sure they added a point or two but they charge fees for Everything! 9.00 just to open. Pay early fee, pay on time fee, close account Fee. I get that they need to make money but your holding my $! You make instrest, I get fees! I recently open a digital account with Discover. They have boosted my credit, have the best costumer service and charge NOTHING. Do you do diligence. I wouldn't suggest this app.