Self - Credit Builder Reviews

by Dont Get Self

Don’t know where to start other than by saying what I’ve went thru has been a great experience up to where they randomly close to 50 credits for 5 different reasons out of nowhere? When I’ve been making payment on the dot and never had a problem…. After finding out many people have this problem I wanted to close my account only to find that they make it extremely weird for you to by saying it’ll only be by check to the adress on file instead of my listed bank account… then go on to say that if I close my account it’ll be bad on my end because I still “owe someone” when in reality I signed up because it said you can get to pay yourself (save money while paying for credit increase).... as in you can pay for yourself to get credit after months of owing yourself… but no it’s so much more complex and hard to even talk to someone about closing an account but what I’m seeing is now…

They’ve in essence trapped me in an “agreement” to myself to pay money I’ve never received in the first place to myself.. and if I don’t pay and leave the agreement, not only will they take massive amount out my credit account but they’ll also say I still owe them money for the loan I’ve never gotten! WHEN I NEVER SIGNED UP FOR THAT!!!!

by Salah Gaddy

this app has a beautiful proposal, a savings account that will also build your credit (for a small fee of course) they kept trying to incite me into a credit card account but I’m always skeptic of those. I finished my this app loan earlier than scheduled because I need the funds from my account to go towards a car down payment, but I didn’t want to close the account with a balance. this app gives two payout options, immediate direct deposit and a check in the mail. I selected the direct deposit and waited 3 days just for them to tell me I needed to (confirm my identification) send them a picture of my if and bank statements. They said the process would take another 3 days to complete. What got me was the bold letters at the bottom stating if the process was not completed in 15 days they’d keep my money. I was outraged because not only did they decide to verify my as I’m closing my account, we were 7 business days deep in the interaction because they weren’t responding in a timely matter. It’s now been 13 business days and I’m yet to get a response on my identity conformation.

As far as helping clean my credit score up, that was done. But don’t download Self expecting your money back after doing research there’s a Reddit community of people just waiting for their money back. Uber-disappointed

by Kerwinc10

I couldn’t say enough good thing about Self/program whatever you want to call it. Yes on my $600 total paid I got out $514 or something like that. However way I looked at the whole time was I was saving. And with saving interest rates being essentially 0, which is ridiculous but true, having an app that saved money while building my credit was a godsend for me and helped me drastically with my credit. I paid my account off after only like 4-5 months because I could. My only suggestion and it’s not a huge deal but was definitely an inconvenience and a bit misleading was that it gives you the option to either pay out after the term that was acceptable at the beginning is over or to pay it out once it’s completely paid in full, and it states they would be immediately once it’s paid in full. So once I paid mine in full I had assumed it would be a day maybe 3 at most before money was in my account. It’s been 10 days already and it says it’ll be on 8/13 so Thursday. But that will make it 12 or 13 days. But other than that minor inconvenience Self is amazing and I’d highly recommend it.

by MamaaWarrior4

I don’t typically write reviews, but I thought this would help someone on the fence about Self! This has been one of the best decisions I’ve made as a 26yo rebuilding my credit! Not being responsible in my 20s, I looked up my score and had an embarrassing score of 467. I looked up what to do because I felt so discouraged. I decided to give this app a try not having anything to lose, and I’m so glad I did! I started out with a score of 467 to now my score is 684 after just 8 months!!!! I’m almost to the 700s and I’m so thankful and happy!!!🙏🏼 I’ll be able to get a great car payment, house and this app has defiantly helped me on my journey!!! I felt so hopeless 8 months ago. *just a tip on building credit* I also looked at my credit report and handled collections and got them removed! Got stuff settled! I suggest in also building your credit to look at your credit report and sort through all the bad stuff that’s weighing it down! But Self has helped me build a great credit history these past 8 months & I can only imagine a year! I also got approved for the credit card and made small purchases on it and immediately payed it off to just show I’m responsible! Just a tip that helps so much!!! Self makes it so easy to pay off what you’ve spent on your credit card. My score jumps up all the time now! Can’t wait to make it to the 700s!!! Download Self to help you on your credit journey it’s the best app to do so! Hope this helps, and good luck! ❤️

by E91rr

I wish I would have started much sooner ! I heard about this app probably a year ago and I was hesitate because I felt like nothing would work! After going back and forth and feeling like there wasn’t really much to lose I started my journey may 29th 2021. My credit score starting was at a 546 and just by signing up my credit score jumped 29 points! It went to 575 and I hadn’t even made my first payment. I was incredibly impressed and it honestly gave me hope to a hopeless situation! I went ahead and made a early payment about 9 days ahead of time. My first payment is set to be due June 29th and honestly I cannot wait to see what the score will be even then once it’s officially reported to the credit bureau. I’m very hopeful in the months ahead this is a amazing opportunity and I’m so thankful that I’m given a second chance , this is great for anyone who needs to improve their credit. The goal for me is to purchase a house in the next two years and the way things are looking it might be sooner. Thank you this app! My advice is don’t wait start now!

by Money88

I’ve had a great experience with this app, they even give me like a reminder text when my CC is soon to be due and Self is quite easy to look at. Since the latest update it looks better than years ago and it’s just easy to use. Your balances show up quite nicely, being new to this it took some getting used to before I got a handle of when the new period would start and when the balance would be paid by etc.. but once I got it it was history. I can’t prove they report to all 3 credit offices I just take them at their word. What they reflect my credit is isn’t as close as what I’d like it to be when you look at Experian or transunion sometimes off by 40 points but it’s close enough I guess. They up my credit every 3 months after the first 6 months by $75 bucks because I haven’t missed a payment and always been on time for the past like year and I’ve had my credit builder account in the same standing for the past like 14 -16 months so that helps.

by SayGo85

Let me start off by saying this is a CO oletely unsolicited review, this app has not imposed any need to review their app in order to use it.

I downloaded this app about a month and a half ago. My credit was thrashed due to a personal issue three years ago and I am now in a position where I am able to start doing something about it. I saw their ad on Facebook and decided to give it a try. Just last week my credit score jumped by 77 points due to my participation in their credit building program and it onky took an on time payment of $25!! I am now able to apply for a credit card in order to further build my credit and this would NOT have been possible had I not taken a chance on this app.

Now this may not be the case for everyone, but the reason my credit score was so low was because I didn't have any accounts that I was paying on that reported to agencies. As soon as this app showed up my credit score soared! If this is the case for you and you need a boost in your score; this app is a simple, low cost way to rebuilding or starting to build your credit.

by Noblecreature

At the time of writing i’m 23 and had gotten a $500 card my sophomore year of college (O was 19). As you’d guess, I, like an idiot, maxed it out and walked away. Fast forward 3 years and I rent a house from my dad with some buddies (so no positive credit built there), my truck is in his name even though I pay for it, and i’ve been graduated out with my degree and working a “big boy job” for 6 months now. In 3 (2 payments so far) months, this app + a $200 secured credit card have boosted my score from a 560 to a 670. Worth it ALL. DANG. DAY. I’m very happy I stumbled upon their app through social media or something kind of random. After my 3rd successful payment ($100 or more total) I can get a regular non-secured $500 card through this app (not to mention wherever else now that my credit’s improved!) and i’m very excited to be moving up. I chose to pay ~$40 /mo to get $500 paid to me in a year. this app’s fees are like $40 or $50 and for the boost i’ve received so far it’s been incredibly worth it. I don’t usually write these kinds of reviews but I hope it’s helpful to anyone out there trying to build their credit. It is worth noting I didn’t have a ton of bad credit marks against me, just that $500 card I walked away from in college. I would also expect some sort of plateau soon, but so far the jump has been huge. I’m 100% planning on buying a new truck in 9 months and i’m betting the only reason i’d have been approved was because of this app 😂 Best of luck, y’all

by AmyEP777

I was very skeptical about signing up at first, but my credit was so destroyed already, I figured what the heck. Before I signed up, I had a large chunk of 6-7year old collections drop off of my reports, bumping my scores to the high 400’s to low 500’s across all 3 bureaus. So I started looking for some ways to begin rebuilding my credit right away. I ended up choosing this app, and I have only paid 2 months on my account so far, and my score is around 600 across all 3 credit bureaus already. I am literally counting the days until I can pay off my 3rd month and qualify for the secured credit card through them as well. That’ll be yet ANOTHER positive line of credit on my reports, and I seriously can’t wait to see how it helps my score. I will update my review as things continue to move along. I am beyond satisfied with this service, and I plan on continuing to use this app even after I finish paying on this first account. What a great way to keep a positive line of credit open and watch your score climb!!!!

by Anon1998_

I started this app with a credit builder loan of $150/month. In the beginning, this app lender did not really help my credit, it would go up here and there by just a few points. However, after a certain amount of time of being with this app and making my payments on time they offered me a cc, I put $525 of my amount that I had saved so far towards it which would be my limit. Using the cc gave me credit that I didn’t have which made my score go up. I continued to use my cc which came in handy for a lot of things and pay it back on time every month or pay the full balance if I had it. I finally paid my this app loan off ahead of time and they once again, offered me the option to up my cc which I did and now have a limit of $1,675. I started in may of 2019 with a score of 482 my new score as of March 2020 is 622. Now, I do also have a car payment that gets reported too so that may have also helped. Also, the loan portion is fully paid off and closed but I can still keep the cc if I want to or I can close it too. BEST OF LUCK!

by J ReeL

Self does exactly what they say it does: it builds credit and boosts credit scores. In order to make that happen sign up for any account that you can manage and pay on time and keep transferring the money to a secured credit card. These guys really report timely and to all three credit bureaus. This is the fastest and easiest way to build credit history and secure a credit card while raising your own credit limit using your own money. If you guys are out there having a tough time building credit or opening a non secure credit card I encourage a this app credit builder account, you can easily keep opening credit builder accounts and keep transferring the money saved to a secured card and raise your credit limit. With a this app-raised credit limit your credit, debt to credit ratio and utilization will start looking improving and looking great. You can either keep the account open or once you get your credit limit to $3000 find a secured card somewhere else and get your refund.

by DrakeShin

I spent most of my life not really understanding credit, how it was calculated, and how valuable it is. I made some poor choices over the years and it caused me to have terrible credit simply because I was too ignorant to care of the effects of poor credit.

As I got older I started to see these effects on my life and decided to make a change. But there were fewer opportunities for me because of my history. This lead me to searching fir secured credit cards in order to try to build credit over time.

I was introduced to this app by my wife who already had started a credit builder account. It seemed like an easy way to save money and build credit so I started one of my own. I’m happy to say that my credit score is slowly building and is looking more positive every month. I was just approved for a unsecured credit card from another lender - the balance is low - but it’s an improvement on the rejections I got from before. I’m gonna keep doing this app because it’s easy and it actually help. Just pay on time and things will start looking up for you. It just takes time.

by TempusTime

I downloaded, and starting using this app, on March 24th, 2021. In less than two months, my score went up almost 100 points. It is now July 3rd, 2021, and my score has gone up a total of 105 points. I just reached the 3 month mark, at which point I was able to order the credit card. It arrived 9 days later (today), and I just activated it. I have no other open balances; until I signed up for this app, the only things showing up on my credit report were collections (4 or 5), most of which were closed, and I’ve paid off the ones that were still open, since. No active loans, credit cards, etc., so having a second open account (the this app credit card), and paying the balance in full every month to avoid interest fees, will hopefully help build my credit even more. Would be nice to see another substantial jump, but I can’t complain. Self has been everything I wanted it to be, and then some. I went from being totally pessimistic, and thinking I’d never fix my credit, to now regularly getting excited about how quickly it’s raising back up, with not much effort. I cannot recommend this app highly enough!

by Black_widow85

Like so many others, I’m working on rebuilding my credit. I was looking for a small personal loan with a half decent interest rate and just couldn’t find what I was looking for. I didn’t need the money for anything I just wanted to establish a new good standing credit line with short terms and affordable payments. Then I stumbled across this company and I was sold. You can pick from several options for how much you want the “loan” to be for, how long you want it for and how much you can pay monthly toward it. This is not a standard loan mind you. It is a this app funded loan, meaning you pay into it the loaned amount you picked, the company takes the amount agreed on and places it in a CD account. When you finish paying the amount off, they release the funds agreed on and keep the interest that was earned as their cut of the loan instead of traditional loan interest changes that pile onto your payment monthly. For someone like me that doesn’t need the money up front for something and can afford a payment each month just for the purpose of establishing a new good standing mark on their credit, this is it. Hope this helps explain what this is and who it could benefit!

by Dbeezybaby

At one point in time i had a 388 credit score. Did a lot of research over the years and made some great credit decisions to bring me back over 640. One of those decisions was using this app. Don’t get me wrong, it’s still a bill to be paid, but the opportunity it brings is entirely worth it in my opinion depending on your circumstances. With auto pay set up it’s basically a waiting game, and once you’re able to get a credit card then the real fun begins. Sticking to the advice delivered by Self while applying my own personal advice which is to use 30% of the credit card for gas and other things i was already paying for helped me get where I needed to be. Just remember, this is a tool not a house. If you’re trying to climb out from the horrors of bad credit, you need a plan not some random app you think will help, you need to do research and follow a path. From there, i definitely recommend making this app a part of the plan. So far it has been 10 months with this app and i can say this app is responsible for at least 100 points of my credit score growth. To anyone joining the journey, and those still going through it, I pray you find a way.

by Ray Dude29

So I made the mistake of trying to buy vehicles without any credit. One company only did one hard inquiry and another really messed up. The did 7 hard inquiries. 7. My credit was looking low. I had a credit card but only for about 3 or 4 months and it was always paid off on time but it was just so slow building my credit. I started looking up ways to build it and this app popped up. I was skeptical about it at first because you know, I don’t like giving out personal info to an app. And I wasn’t really sure if it even worked. After research and reading hundreds of reviews I decided to go ahead and download Self . I make decent money for being 18(well 19 now) so I went with the most expensive one they had. Yes. The interest is high but it’s not that noticeable. Your credit will go down because you opened a new line but give it 2-3 months. My credit has shot up probably 30-40 points. Do not do this if you aren’t sure if you can afford to make payments. I knew I could. If you make your payments on time (I have mine on autopay) then you will see the results happen so quickly. 10/10 will recommend Self for new credit builders.

by Torinatorxx

I was super intrigued when I first heard about this app and I waited a few months before pulling the trigger. Well I wish I would’ve done it sooner!! Within a month my score went from 487 to 581. After that I applied for a totally separate secured card through a different bank and got approved. Mind you, my credit was so bad with derogatory marks that I couldn’t even get approved for a SECURED card before all this. (Don’t judge me lol) Anyway since I opened the secured card my score went up another 46 points!! So altogether, in just over a month, my credit score went from a 487 to 627 and it all started with this app. I am so grateful for the opportunity to rebuild after the mistakes I made in the past. I truly thought I was screwed for life and now for the first time in a long time I feel hopeful that I can get back on track if I keep working at it. All that said, I realize everyone’s results will vary and that for some people it may take more time to see that big of a jump. I still think it’d be worth it, worst case you see a small increase in your score and then get a nice savings coming back to you at the end! So my advice: if you’re on the fence just go for it, you’ll wish you had done it sooner!

by ChayChay89

I started off with nothing no credit never owned a credit card but somehow I guess bc of that I started with a 527. I was just like “dude I’m not doing this it’s gonna take too long” my fiancé who has passed away but he was the one who forced me to download this app. So he was showing me the ropes and within 3 months of paying ON TIME and I have it set up to automatic payments so I don’t forget but I was so excited I saw 590. But I wanted that 6. Sure enough about 3 months later of continual making my payments without doing it bc I have it set to take $25 out automatically every month and I had a 647!!!! When he passed away in September I wanted to throw it away but why? He helped me build my credit and I am in debt to him forever. After 6 months of not looking I check it today just to see what would happen after getting increases and paying them off. I have a 704!!!!! I wish I could post pictures on here but I wouldn’t recommend anything but this app if you are a beginner. I have capital ones sending me cards now saying I’m approved for car loans like every other freaking day, mastercards, everything. But I just want to say thank you Matt!!!! 😇 up above and a thank you to this app for helping my credit score grow so much 🖤 thank you guys. All they want to see is CONSISTENCY!!!

by BigBewtyHoooooooo's

A couple of years ago I got injured. Lost my job without getting fired and I’m still technically on CVS’ payroll system because they send me checks whenever there is a lawsuit against them. I have alerted their team as well as my old store manager of this several times. I’m still on it, whatever I don’t care. I’m just happy that after I had to max out all of my credit cards until I got another steady job a year later. I am now back up to 534 (which isn’t great but) after the pandemic hit it made it harder. this app has been helping tremendously, that 534 is coming back up from 289... I was disgusted seeing that after getting my score up to 702 at 20 years old. 289 at 23 and now 534 at 25. Thank you this app, thank you for reading this if you did. I hope it helps you as much as it has helped me. I can’t wait to get the loan at the end of the term. It’s honestly kind of like getting a tax return when you think about it while boosting your credit. There’s no drawback. Even if you think about it in a negative way, your paying into boosting your credit and getting 95% of your money back? What’s negative again? By the way. It also has APR/APY. So at the end of the term you get more money than what you put in. I just noticed this. It started out at $1663 it now has more in it.

by WildMikeZillaPeaPodMom

The this app Credit Builder personal loan(CD) has been an incredible journey to rebuilding my credit score after personal reasons not only took my credit score from a 780 to a 355, but I was unable to even get any type of Fico score to see what and how I could improve and recover from my credit devastation. After I signed up for one of their account options not only did my credit score continue to improve to over 111 points in a very short time(much shorter than “unnamed” companies promising promise’s they did not deliver and/or do nothing but take money with no results. I also was granted a secured this app VISA-an actual Visa card as well as with all on time payments you can be rewarded with additional unsecured amounts added for keeping up the good work! I also started to receive PRE-APPROVED offers from other credit cards ect. That helped build my credit up and am looking to build a home WOW this app also has a plethora of knowledge that u can access. Their customer service is excellent. Truly, they have changed my life and I continue to build up my credit score. I can not thank this app enough! Enroll, make on time payments, and watch opportunities open to you that you thought you might never get to! Thank you this app!!! With Sincerity & Gratitude,
Your Loyal customer for over a year who gave me hope again

by Small Hobbit

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.

by ProbablyNoah

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.

by Dsk$

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 this app 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.

by GannerRhysode

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 this app 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 this app will be making sure none of my friends and family even touch this horrendous service from these thieves

by Infinity J.

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 Self. 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.

by Zeecloud9

I like using Self, 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 this app 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 this app 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 this app lender savings is what funds it. But overall I like Self 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).

by MLT Jr

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.

by Ashley31165

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!

by BryGuy80

Self 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 Self. 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.

by Oliviagylov

I saw Self 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 this app 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.

by Hayleyxoxoxoxo

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 this app 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 🤣

by Hyper10sean

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.

by Aaronh870

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 this app 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. Self 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 Self. It helped. Trust me!

by Mommyoffourcrazyboys

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.

by Travel.30

this app 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 this app can speed up that process! Don’t hesitate!