SelfReviews 215

Self did what it had to do I even had some friends and family sign up, the only I didn't like is the $25 fee for the credit card like even if you don't use it you still have to pay the $25 but my credit is popping……. I wish I can do it for 6 months tops that a put me at the max with my credit! If you didn't try it I think you should plus you get back what you put in after you complete your year to two years

Do not open the credit builder account if your score is above 670, it will just lower a lot your credit score. I had it on 721 and went down to 698. :(

Since joining self two years ago my credit has improved and thanks to self for giving me the opportunity to improve it and I recommend them to everyone cause wherever you stand you can improve and get it up there.

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!

I enjoyed using this card it really helped me credit score Go up I'm able to buy a house now and I finished paying off my card so now I get a refund of 500

In the beginning I was nerves but as time went by it was the best thing I ever done. It help me so much. I've told many people how this had help us. Whatever you need to help build up your credit SELF is the best.

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.

They have government reports of fraud but they are a our country company t hat makes morenmoney than you. Then they ignore ur human rights as a credit holder. They are very low in integrity. I will see them in court soon. And guess what they won't show up. It's older people micro managing

What I didn't like about self is someone ordered a credit card in my name. I tried calling them couldn't get through. And it just made me so upset I just said forget it.

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!

Before you share your banking info and give a 3rd party access to your banking and personal info, be aware that these kinds of apps do NOTHING for you that you can't do yourself. What makes your credit score bad is credit behavior. Thus, the reverse is true. Better behavior will result in your scores going up. If you have negative information on your report that is not accurate, YOU can write a letter (send it certified) to each credit bureau and request it be removed. If you have valid information that is bad, well, you did that and you can undo it. Don't buy stuff if you can't afford it. Pay your credit cards down to a point where you are using less than 10% of your credit and you will see improvement. These apps don't raise your score. YOU raise your score. Apply discipline to your spending habits and your score will go up without an app. Just remember that the more people that have access to your info, the higher the likelihood that there can be a breach and your info gets stolen. Possibly enough info for someone to steal your identity.

ALL of these "apps" that are advertising so heavily are nothing more than debt consolidation loans. They have a non refundable setup fee, they take your monthly payments and invest it in short term investments, and when your loan is repaid they keep the proceed from those investments as a "payoff fee".

If you read everything and pay attention, it works great. Had them since 2019 and have had the best service ever and haven't even needed to call them about anything- they actually called ME over what was a fraudulent charge on my account and helped me clear it and canceled the card for me. They gave me a limit increase on my credit builder account 3 times, then moved me to an unsecured credit account with a reasonable limit. It did bring my score down initially but any new account will do that to you. As for the long payouts, I received my check around 6-8 business days after the date of the end period (they snail mail it UNLESS you go to your account and select otherwise), and all the money was accounted for. These negative reviews sound like a bunch of people who thought it was a magic credit wand that works over night. It took about 8 months but all in all I'd say I gained about 80 points to my score with them, and it just continues the longer I've used them. Never had an issue with them. Put your payment on auto withdrawal, and be mindful of your limits and payout method selection. Great company, they saved my credit.

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

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.

This company is trying to keep my refund. My accounts have been closed, and I am due for a refund. On May 25,2022, I received an email that my account matured in the amount of $539.54. However, $84.68 was deposited into my account on June 13,2022, and $450.00 was transferred to my credit card account as a security deposit. For nine months my account did not require a security deposit and now the company wanted to keep my money. I immediately paid my credit balance in full which I had a credit due and on June 20,2022, $357.89 was deposited. The total that was deposited was $442.57. The company still owes me $96.97 and $78.18 credit that I overpaid on my credit card. I have sent several emails and nothing. My next step, I will dispute the matter with CHASE and the MATTER WILL GET SOLVE! I am disabled and this company will NOT be scammed and get away with this. PLEASE STAY AWAY! I WAS A FAITHFUL CUSTOMER, and this is the thanks I GET. HORRIBLE HORRIBLE! IF I CAN GIVE THEM NO STARS, I would! Please read all the reviews if all the reviews are saying the same things then it must be true? Stay away! I am going to make it my mission to post on every search engine to warn potential customers.

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!

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!

NIT GOOD. THEY PROMISE A BETTER CREDIT RATING BUT, IF YOU NEED TO CASH OUT EARLY, OMG, DON'T EXPECT MUCH OF YOUR MONEY BACK! THEY FEE YOU TO BIG TIME! THEN THEY TAKE WEEKS TO GIVE WHAT LITTLE IS LEFT BACK TO YOU!