Self

Do not get their credit card. You not only pay the balance ( which I understand). But the also will subtract from your savings. After my 2 years I got $50. After paying in over $ 1400. I was to get over. $750 back. They took all but $50. Even though I paid back the credit card with complete integrity. Just look at the reviews if you doubt me.

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.

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.

Self had been sending me notifications to their website I finally made a decision to fill out the application I put in all my personal information on the self website it accepted me once they got my banking information and started deducting money from my account the self website said information we have on file is not matching I was confused so I called the 800 number I explained to them what was going on the first representative was a gentleman I explained the situation I said it's too much going on I would just like a refund and when I told him that I'm sorry I don't want to hear the speech about the website let's just do the refund he got a attitude and he was all in his feelings he had held me on the phone for an hour and 20 minutes before he would allow me to speak to a supervisor once the supervisor got on the phone she pretending like she was trying to be helpful and when she realized that the information that I was giving her over the phone wasn't matching was on the computer instead of her saying to the customer let me email the right people so we can solve this situation she decided it was more important to call me by the wrong name three times over talk me instead of just sending an email letting someone know that the information in the file is not matching but we have Miss Days bank information and it is going to be deducting money out of her account on a automatic deductions every month instead of the supervisor doing that she chose to argue for another 45 minutes I was in disbelief all they had to do was just send an email to the right department this could have been solved less than 10 minutes but instead it was more important for them to over talk me be very disrespectful to show me that they were in control this was the biggest mistake I made on February 27 /2024 I wasted almost three hours arguing about an email and miscommunication on their website 👎👎👎👎👎

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.

BEWARE: DO NOT USE SELF TO HELP YOUR CREDIT!

I'm going to share my experience because this is getting out of hand. I signed up for Self the credit builder program a few months back. I've NEVER missed a payment. I've always made my $25 payments each month. Out of the blue; I started receiving $15 late fees. Then on 12/24 & 12/28 they started charging my bank $15 late fees and claiming I was manually making the payments. This is false. They refuse to refund me to which I had to file a claim to my bank account. I removed my bank account and shut off auto payment after the first attempt. Last week they tried to make an attempt to pull a $15 payment again. Now, I still have the auto payment option turned off. My account is reflecting its past due which it shouldn't even reflect this and I now owe a lot in a payment to catch up my account which I shouldn't have to pay.

I've even attempted to speak to someone via chat after the two December payments occurred and speaking to someone over the phone was a $#*! show. They submitted a request for someone in the "dispute" department to contact me via email about this situation and that was a lost cause. They won't help resolve the issue.

I plan to do what I can to resolve this, get the money I'm paying this "loan" to receive and NEVER use SELF AGAIN!

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.

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.

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!

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.

I came across Self a few months ago and debated on the effectiveness of its business model. I decided it was a no harm no foul way to build some extra credit so I did their max payment and figured I'd collect in three years. I set up an automatic payment for 150 per month for 3 years.

After my first payment I found out I was charged more than the 150 that I thought I signed up for. I figured it was a one time payment to get things started. The next month I got charged more. When I called up I found out they were charging me more than I agreed because I set up an automatic payment. I've never heard of being charged a penalty for setting up an automatic payment, additionally I was under the impression that was the only way to set up the account. They said no you could have done it manually. I asked them to refund me the last fee and I'd set up the manual payment. They said no. Every time I tried to talk to them they started to talk over me. I asked to close the account but that took me 30 minutes just to get them to understand why I was closing the account. They could care less.

Do business with them if they want I have no idea if I'm going to get my money anytime soon. I'm already out nearly $80 but it's not worth a company nickel and diming its customers.

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 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

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.

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.

Try declining their services and closing your account, it's a process any legitimate company should easily do...sic of these predators

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!

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.