You checked your credit report, but feel like your credit score is stuck in a
rut. Good news! Your credit score isn’t set in stone. The Self credit app is
a way to build credit history while building savings*. Build credit with Self,
even with a low credit score (or no credit score)!...
Friendly Service and Easy to Use
This app does what it says. I was on the road to credit repair following a major car accident, which left me in a world of hurt financially. Needless to say I was on the road to making progress increasing my score about 6 points a month when I came across this app. I decided to give it a shot. By my second or third payment I started to see my score increase 9-10 points every month. So I can safely say this program helped me add an extra 3-4 points every month. When the opportunity to purchase another car presented itself 8 months into my term I called Customer Service and they were very friendly and happy to help me close my account and deposit my funds. The process was quick and easy and two days later I had my money in my account. Looking to start up a new account now that I’m a few months into my car payment and know I’m ok again. The car loan gave me a slight hit so this will help offset that.
Those that are seriously in need of rebuilding their credit to obtain a higher score for future financial security need to take advantage of this awesome opportunity. I say opportunity because you pay yourself each month and at the end get all your money back all while building credit in your favor! It’s a “No Brainer” so to speak! I wish I had only found this opportunity sooner. It helped improve my score once already and I’m using it to my favor again. Time flies, we all know that, so before you know it you’ll have your “reward” back when the timeframe you choose is over and the fee is well worth it. If someone told me I could pay $79 and increase my score over 100 points I’d be stupid to say no! So, just pay on-time each month and let Credit Builder do the rest! Thanks Credit Builder! M. Tompkins Jr. USMC Veteran Thomaston, Ct.
0 in actuality
So 1 Star is too high of a rating as far as I’m concerned first they make a mistake and don’t pull my payment for the month so I go behind and do it for them the next day they still try and hit me with a 15 dollar fee that I refused to pay and when I went to look at my balance (this would be the second month, instead of my 48 I paid being in there and not even counting the 15 if they had taken that automatically I’d still have 30 something yet my payment processed fine the second time when I did it my self and no one can’t account for how a 15 dollar fee for them screwing up equals a 24 dollar payment from me???? And then they just randomly close my account and are keeping even the 24 citing they didn’t receive the requested information when they didn’t even ask for any and we were still communicating about my missing money never mind the 15 (all 57 of it now) that was missing. TLDR stole my money then closed my account on me with no justification or reason and are no unreachable USE AT YOUR OWN RISK I my self will be making sure none of my friends and family even touch this horrendous service from these thieves
I like using this app, i pay about $25 dollars amount for a CD savings that matures by 2021, and I’ve had my account for three months already and it’s already gone up 44+ points. One thing I would like to see is to be able to change the amount of money I am able to withdraw from my checking unto self lender. As in I could either split the payment according to my biweekly payday or If possible be able to add a little extra money instead of having to wait the beginning of every month for the funds to be withdrawn. Also, the self credit card I was offered and I wish I was able to add security deposit to raise up the credit limit as so far only ur self lender savings is what funds it. But overall I like the app because I was able to finally get approved for a high credit limit credit card that I have been wanting because of student perks in conjunction with your grades. (Discover it student card).
They won’t work with you
I was charged a $15 fee because I tried to pay my monthly payment way before it was due, and it “failed to locate my account”. This could be just entering one number wrong in your account details. I find it disheartening to be charged a $15 fee for no explainable reason except “we said so”. I contacted user support to see if the fee could be removed, they gave me the run around with a long, drawn out message that didn’t really pertain to my question of “can this be fee be removed?” The answer, I’m assuming, is no, but of course they won’t just say that. They also wouldn’t give a reason as to why they charged the $15 just “When this happens, we charge you, for... no reason. Here’s a bunch of info on how to pay us the fee” type deal. I find it discomforting to do business with a company that can’t provide personable responses to their users concerns. You’re already getting x dollars from me from interest on this loan, why charge me more for trying to be on time with payments? $15 isn’t a huge issue, but I don’t just want to fork that out for no real reason.
This is a great opportunity
As someone trying to rebuild my credit after a chapter 7 bankruptcy I tried everything and was getting denied left and right until I came across this place on Facebook and I was very skeptical at first thinking that I would either get denied again and take yet another hit to my credit score or that is was a scam and they would take my money and I would have nothing to show for it. Then one day I just tried it by making the initial payment then I waited......once I made the second payment it only took about a week and boom I had a credit update 🧐 so I checked it out and boy was I surprised and excited to see that it was them! And they had reported to all 3 credit bureaus that I had been in good standing and my payment was on time so my score went up 41 points just that fast!
Broke my trust and reputation
I just got an email from support saying there’s missing documentation that I was never told about till JUST NOW a week before the first payment. I’ve done everything else including paying the stupid non-refundable $9, but apparently that’s not enough. Apparently I’m not “proven” enough for them and they clearly don’t want any of my money. Well, fine. I guess since I’ve read through how “helpful” their support is on issues like mine they clearly NEVER actually wanted to help in the first place. I’ll just take my money elsewhere and forget about fixing my low/nonexistent credit score. I have better ways to save my money, anyway. Oh, also apparently I’m locked out of my account as well so I can’t check anything though there anymore. I personally wouldn’t trust these people after this treatment. If there was something missing it should have said so earlier and not immediate lock out of my account a week before the first payment. I don’t even know if the loan is actually canceled because I can’t check. This just stinks of BS.
This is by far THE BEST alternative for building credit
I saw the App a few times and kept it in the back of my mind while i was looking to apply for a new credit card. My score was 466, with 5 accounts in collections. One of them was a credit card account that went delinquent after i lost my job that year. Before that i had made on time payments for the entire year previously but alas, they closed it. I was worried about applying for a new card, I didn’t want another hard inquiry on my credit report, ruining yet another chance to apply for credit somewhere else. I opened my account with Self Lender in August of 2018 the week before my birthday, I looked at it as a “birthday gift” to myself next year. Since then my score has gone up 65 points across all credit bureaus! I highly recommend this to anyone who wants to establish credit and/or build credit and/or struggles with having the discipline to build a savings. Come my birthday in August I’ll be unlocking $1,000 with a better credit score than I’ve ever had. **Hot Tip—enable auto pay and you can still break up the monthly payments before your due date. I usually make one or two small early payments and the balance of what I owe is paid automatically.
Made my credit below average
This is my first time establishing credit so it looks bad when you immediately take out a loan when you don’t have credit. I’m going to be going through my bank, getting a secured card, to help better my credit that way, but this wasn’t the best thing to start off with. If I would have known this would have made my first report a 593, I would not have gotten with this app. But I do have autopay on which is why I gave it three stars because it was super easy to use and start up with. So I will try to update you all with my credit report once the year term is up. My credit should be improving to a better score once I establish it in other places, but I don’t think this is the best to start out with. Payments can be made on time through autopay so that’s good. I am still going to go through with this for the full year and establish my credit. Updates soon. 2020.
READ MY REVIEW AND GET THE APP!
I’ll start by saying that I opened this account in August of 2018. It’s March 1st of 2019 and my score is up 68 points so far. I wasn’t sure if it would work for me, or be legit at all, so I chose the lowest monthly payment option of $89/month - which comes out of my account automatically by auto pay so I never miss a payment. That’s literally all you have to do for this to work, don’t miss a payment. I’m 23 years old, I ruined my credit by owing money to AEP when I was 18 and moved out of my first place. I still have about 6 months left until my Self Lender account matures, but I already know I’m going to renew it when the time comes. I’m so happy so far, this is an amazing idea and I encourage everyone to try it all the time, my Facebook friends probably hate me by now Lol 🤣
Great App for Building or Repairing Your Credit score
Initially, I was very skeptical that this is one of those products that over promise and under deliver on their promise. However, I took a leap of faith and gave it a shot (that's after I careful read the fine print and numbers of reviews). It has been 3 months since I signed up for the service and it is working surprisingly well so far. Even though my credit has been fairly okay at 690 to 702 before I signed up, it went up to 712 in the last 2 months. Slightly impressed with the fact that the "loan" did not show up as hard pull inquiry on my credit, that's a big plus. I've recommended it to friends and family, and will continue to do so.
AMAZING! Please read!
This is app is incredible. I’m a young adult and didn’t know anything about credit. I managed to get my credit score to a 496. Terrible, right. I didn’t know how to begin to get my score back up. But Self was the legit start! Legit in the first month, my score increased 50+ points. And then after about 7-8 months, they approved me for a secured card. It’s almost like it’s too good to be true. This app actually works. Not to mention by credit score went from a 496 to a 633 and climbing. My available credit like increased 3x the limit, which hasn’t even shown up on my credit yet, which means my score will be increasing at least 30+ additional points! Get this app. It helped. Trust me!
Credit score up 223 points
This is not a scam, I am a very real person who had very poor credit due to credit cards as a teen. I signed up in oct 2017 and by oct 2018 my credit score has gone up 223 points, and I have not opened any kind of other accounts, or paid any debt. In fact I am about 25,000 in debt (student loans). I just signed up again for another year. This company makes it so much easier than physically having to go to a bank. And Whoever reviewed and said it takes too long to get your money, clearly doesn’t understand that they are loaning you the money in the form of a CD account which you can’t get back for a year. Hence the monthly payments for a year.
Amazing Amazing Amazing App
Self is without doubt the best option for rebuilding credit! I’m on my second loan and just signed up for the credit card. I first joined last year and my score was 434, it’s now 601. I had to end my first loan prematurely and that lowered my score quite a bit. Had I not needed to do that I imagine my score would be a lot higher. Regardless, I’m very excited about the credit card option. That’s been my biggest struggle, getting approved for even a secure card has been challenging even with a fair score. It takes a lot of patience and consistency to rebuild extremely poor credit but Self can speed up that process! Don’t hesitate!
It’s a total waste of time, if I didn’t get some points on my credit score, after a year the account was closed as it normally was planned to and I got a 30 points decrease in my credit score after self lender took over 200 dollars fee at the end of the saving. It’s a scam due to the fact they never revealed at the time of opening the account that when the one year saving plan that suppose to help build your credit will make your credit score go down at the end of the program. You are better of opening a secure credit card. I called the customer service number to inquire why I was never informed my credit was going to go down after closing the account at the end of the one year saving program, I was told I never asked??? I’m suppose to ask, isn’t that an information that was suppose to be disclosed to you at the point of setting the account up.
No. Self - Build Credit & Savings does not seem very safe to us. This is based on our NLP (Natural language processing) analysis of over 122,469 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.9/5 . Justuseapp Safety Score for Self - Build Credit & Savings Is 13.8/100.
No. Self - Build Credit & Savings does not seem legit based on our analysis. This conclusion was arrived at by running over 122,469 Self - Build Credit & Savings User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Self - Build Credit & Savings Is 13.8/100.
Self - Build Credit & Savings works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.
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