SelfReviews 215

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

This company is trying to keep my refund. My accounts have been closed and I am due a refund. I have spoken to several different reps in regards to my account being closed and that my refund should be issued, but it has not. I am constantly receiving different emails asking for different things to continue doing business with Self.inc which I DO NOT WANT TO. All I want is my money back and for them to leave me alone. My next step is to retain a lawyer and contact the media.

I canceled my account and it's been two weeks and my payment still has not been processed and after processed I have to wait another 10-14 days to recieve

My brother recommended this company to me to boost my credit over a year ago. I've been paying my bill on time every month but somehow they have been reporting to the Credit Bureau that I was late every month when I was paying on time. When I start with SELF, My credit score was 713. My credit score went down 133 points since I've been with this credit card company. I currently filed a Lawsuit on them. I plan on suing this company and exposing them for the frauds that they are.

I'm all about finding fun ways to raise my credit score since I've been on the journey of preparing to buy my first home. I found SELF and thought it was interesting. I knew there would be fees and told myself "it's an investment in my future and well worth it" but it got to the point where I felt I was being taken advantage of. There are steps you have to take to be eligible for the credit builder card before you can get it (3 on time payments, atleast 100$ in account) they take a decent chunk of each months payment for the fee and I was 6$ short of the 100 I needed so I added an extra 10$ to the account after my monthly payment so I assumed (I know, that's on me) I wouldn't be charged the whole fee. They took 8 out of 10$ for the fee and I was only given 2$ towards my account. INSANE. I canceled my account and they charged me more interest and fees on top of it after telling me I wouldn't be charged. In my opinion, not worth it because 1. THeyre not up front about ALL the fees and 2. They think they can take advantage of us so they can make money off us. Beware and do all your research before opening an account.

When it came time to cash our my account they disappeared. Noone answers the helpline or help emails. They stole the money in my account instead of paying me out.

Do not trust this company. For one, I have made all of my damn payments on time 1st of all. After they submitted a fraudulent a$$ hard credit inquiry on my report that I didn't have a clue about, I was informed by a client to close my account; I did! Only for me to spend countless hours submitting the same verification documents that they "allegedly " can't find by the " Administration system ". My f$$$n same social I was born with they claim they can't find. Now they're refusing to pay out my damn money. If this isn't the most fraudulent a$$ s$$t I've even seen.

Don't believe the deceit of these fake reviews that claim, oh they're great and my credit score increased! It's all BS. You'll never speak to an American agent, they'll continue lying and transferring you. Listen I'm not the guy for writing lies because I'm pist. I'm sending a warning don't fck with Self. It's a perfect damn scam at its finest. It's only $516 they I paid. Pennie's but it's sure principle. How in the hell you can mysteriously find my information after of year of my damn money paid into your business. Fraudulent disgusting damn roaches. I've contacted my families attorney, it's sad that America has fallen to allow such scum as this take peoples damn money. I'm telling you now, don't FCk with these foreign scum. Absolutely distasteful and high fckn pist that they simply think they can just take my money and the. Say they can't tell me when I'll get my gd payout. Don't trust these Fckrs! And this message I will continue to expose and repost until they up my money.

I was DISGUSTED with the lack of professionalism and educationof the representatives of the company. I was greeted with a lady who seemed and talked like she was from the worst part of the community that you could possibly imagine. Then the phone just hung up. We called back and got a senior citiizen who was deaf beyond any capacity to conduct business, especially in this business as this that deals with social security numbers and personal information! We were placed om hold for over 30 minutes literally and then a rep comes tho the line and says, "Hi, how can I help you!" Are you kidding me. After all wed been through with the deaf man. They hire anybody and dont take anything serious. What a waste of time!

I subscribed for self.inc because I recently came back to the U.S. after many years abroad, only had a couple of credit cards, and my credit score was only about 780 in part due to, according to the credit bureaus, lack of variety of credit sources. I decided to add a personal loan to help resolve this issue. I did not need the money at all and could not care less about the $500 loan or interest on it.

Immediately after subscribing, my credit score went down about 15 points and it still recovering. This company has been no help whatsoever in improving my credit history.

What made me close my account today in advance of its maturity date was that a subsidiary of self.inc, a company named RentTrack, put an unauthorized hard inquiry on my TransUnion credit report, further lowering my score until I get this resolved with the FTC.

I am reporting both self.inc and RentTrack to the Better Business Bureau, and I strongly advise everyone not to use their services.

People saying "they stole my money" *coughs* the girl saying "they charged my bank, they're stealing money, they're thieves, they only sent me back $41 but I paid $50, they stole my money blah blah blah"….

For starters, how would an identity theft creating an account benefit them? Lmao. It would be in your name, with your card for 24 months and by then MOST people would catch it… then account and card / bank had to be in your name for the payment to be successful - and even if it WASNT, you'd have access to their identity when you contacted support and you'd be able to open a case against them… aka something an identity theft wouldn't do…. Lol so that sounds like an excuse because you changed your mind when you ACTUALLY read the terms of the agreement that you were too damn lazy to read in the first place. Hence why they didn't return the entire amount. This is the last thing an identity theft would apply for Lmao.

Secondly,
When you're applying, it very specifically says the $9 administrative fee is NONREFUNDABLE….

Third,
When you added your bank, it specifically said UPON APPROVING THE TERMS OF THE LOAN, THEY ARE CHARGING YOU FOR THE FIRST MONTH OF YOUR AGREEMENT AND THIS BANK WILL BE THE ACCOUNT CHARGED FOR ALL PAYMENTS DUE TO THE LOAN.

Fourth,
Smh. Y'all need to start reading what you're agreeing to instead of just hitting submit.

Terrible App! Terrible Customer Service! I've been on hold for 55 minutes! App won't load! BAD!

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 opened and credit builder account my score went up a few points nothing major. Then tried to get a self visa card waited over a month and hadn't got anything. Still haven't you'd think if they send it it would get here eventually right, nope. So i closed the account both and now i've been waiting for them to send the money back to my account t why does it take over 14 days they do take this long to charge you and most places it only takes a few days for them to deposit into an account. I don't believe they ever sent a credit card and i have bills to pay and still haven't gotten MY money. Not worth it at all customer service sucks too. Run!

This company is not here to help you! It cancels my automatic payments without giving me any notice and sends me an email that it's late just in time to charge me a late fee. Then I try to pay that, and it sends me an email a week later that it can't find my bank or my card even though it worked the month before, it just keeps stacking late fee on top of late fee and it literally won't let me pay it off. It's so sketchy! Do not use this!

Hi been using self app for 18 months and I have to credit cards not with self they are open sky and first premier i recommend these cards no hard pull but anyway I made a cd loan 1800 with self app and paid it off 5 months early and its been 10 days trying to get my payout because my girlfriend paid the remaining balance and now they are holding my check send all the info they asked for and then they ask for more so now I must file a civil suit just to get my money so I say very LOUD DONT USE THIS APP PLEASE STAY AWAY FROM SELF APP

After successfully paying off my credit-builder account they used some of the excess funds to pay a balance off that I owed on the credit card and closed the CC and kept the $350 secure deposit! It clearly states on the agreement that after two billing cycles you should receive a check for the security deposit but it is just lies! DO NOT TRUST THEM!

Looking for a way to build credit or just trying to save money. Self is the best thing out there & after so long you will receive a Self Visa card. Your going to absolutely love your new card. Build credit & it really sticks to your Credit. You will start to see your hard work. The savings part is even better. After you have completed everything your money comes back to you.

My credit score soared from poor to good in about a year. So happy and excited. I am looking forward to my future.