SelfReviews 215

Self reported on a completely different date than advised and different amount I paid. I am now 61 points down due to this. My due date is on the 7th but they reported whatever balance you have at the end of the month payment nearly 2 weeks earlier so every month my account is never showing paid nor on time. Even when I did pay the month before on the 31st they still reported on a different day and different amount then tell me I didn't make a payment. RUN! No one speck's English and you'll never get a complete answer from ANYONE! Customer service is a joke and they will hang up if you call bull$#*!.

Pleas don't use them they will mess your credit up!

DO NOT USE THIS SERVICE! I had a friend set up this account to "help" build credit. I was unaware of the original set up and only provided the information after finding the issue. It appears they used a card that expired at the end of Feb 2023, which means the auto payment failed. No notification was provided of a failed payment, or a past due balance. If proper notification had been provided at the time of the failed payment, the issue could have been corrected immediately. Self Inc reported to all 3 bureaus that I had a 30 days past due late payment. Keep in mind that you don't actually owe money. No loan is taken. This is your own money that you are storing in an account so they basically have access to a "free loan" of your money. I'm reading multiple complaints of people who still have not received their payout of over $3,000.00. Make no mistake. This company is collecting your money and then using that money as an "interest free loan", yet are reporting you to the Credit Bureau for a late payment to YOURSELF. This is a problem. Over $60.00 was paid into this service, yet only $29.00 was eligible for payout. Find another way to build your credit. This is not it!

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!

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!

I had been struggling with late payments and collection items for years. I payed for the services of Self for several months and nothing changed. They are only a scam, will take your money but do nothing. I was in desperate need of fixing my credit. I found out about a credit expert called Blitz on Instagram (@ 1andonlyblitz). An amazing guy. Deleted all 12 charge offs, more than 16 late payments and all the collection items and hard inquiries. Don't waste your time or money with Self.

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!

Self, the company that apparently steals people's money and says they care about your credit score as they outsource their support to the Philippines. Maybe Self should just take their business their as well. If your pro USA then don't give Self your business!

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.