What is Build Credit & Savings - Self? Description of Build Credit & Savings - Self 3884 chars
Want to build credit & savings together? Want credit for paying rent, cell phone, or utilities? Self has the tools for you to build credit.
With the Self credit app, you’ll have everything you might need to build credit. Get started with a low credit score – or even no credit score. At Self, all credit scores are welcome.
Start with the Self Credit Builder Account⁴.
- Build payment history — the #1 factor for building credit⁶
- Get back your savings¹
- No credit needed
- Reports to 3 credit bureaus
- Plans start at $25/month³
- Pay off over 24 months
- Includes credit score monitoring (VantageScore 3.0)²
- No hard pull
- 256-bit encryption to protect your data
- Your principal is safe in a bank account⁴
Unlock the secured Self Visa® Credit Card⁵ designed for building credit.
- Reports to 3 credit bureaus
- Your Credit Builder Account savings progress secures your Self credit card & sets your limit
- Includes credit usage monitoring & alerts
- Use everywhere Visa is accepted in the US
Build credit with rent, cell phone and utility payments
- Choose to add rent, cell phone, water, electric, and/or gas payments to your credit profile
- Securely link your bank account to Self
- Build credit by making on-time payments like you usually do
- Cancel anytime
TAKE YOUR CREDIT SCORE TO A NEW LEVEL
Self customers who make on-time payments lift their credit scores by 30 points, on average⁷.
Self customers who start with a credit score under 600 and make on-time payments lift their credit scores by 49 points, on average*.
JOIN THE BUILDER COMMUNITY
More than 3 million people have signed up to build credit with Self.
ACCESS THE SELF VISA CREDIT CARD
Card eligibility: Active Credit Builder Account in good standing, 3 on time payments, $100 or more in savings progress and satisfying income requirements. Criteria subject to change.
¹ Minus fees & interest. Individual results may vary and are not guaranteed. Improvement in your credit score is dependent on your specific situation & financial behavior. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report.
² Credit scores will only be available to customers our 3rd party vendor is able to validate.
³ Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.97%. Sample products are $25 monthly loan payment at a $520 loan amount with a $9 administration fee, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self mobile app or www.self.inc for current pricing.
⁴ All Credit Builder Accounts are issued by Lead Bank, Sunrise Banks, N.A. First Century Bank, N.A.or SouthState Bank, N.A. Members FDIC. Subject to ID Verification, credit review and approval. Must be U.S. Citizen, permanent resident, or non-resident U.S. Alien, at least 18, and bank account required.
⁵ The Self Visa® Credit Card is issued by Lead Bank or SouthState Bank, N.A, Members FDIC.
⁶ See https://www.myfico.com/credit-education/whats-in-your-credit-score. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
⁷ Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, made on-time payments, based on VantageScore 3.0.
*Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, starting VantageScore 3.0 under 600, who made on-time payments. Other factors, including activity with other creditors, may impact results. On-time payments does not mean full program completion and past performance based on study does not guarantee future results. Credit score increase not guaranteed.
- Build Credit & Savings - Self App User Reviews
- Build Credit & Savings - Self Pros
- Build Credit & Savings - Self Cons
- Is Build Credit & Savings - Self legit?
- Should I download Build Credit & Savings - Self?
- Build Credit & Savings - Self Screenshots
- Product details of Build Credit & Savings - Self
Build Credit & Savings - Self App User Reviews
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Build Credit & Savings - Self Pros
✓ 0-100 real quick lolI 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 SELF. 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 SELF 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 SELF for helping my credit score grow so much 🖤 thank you guys. All they want to see is CONSISTENCY!!!.Version: 2.11.0
✓ Definitely helping my creditI 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 Self 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 Self because it’s easy and it actually help. Just pay on time and things will start looking up for you. It just takes time..Version: 2.11.0✓ Build Credit & Savings - Self Positive Reviews
Build Credit & Savings - Self Cons
✗ A Da** ScamSelf 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 self 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. Self 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 this app expecting your money back after doing research there’s a Reddit community of people just waiting for their money back. Uber-disappointed.Version: 2.17.0
✗ StressfulAuto-pay doesn’t work properly. I have my account set to be charged on the first of the month. I received an email saying that payment WAS received that day. Today, the sixth, I get an email that they attempted to charge my account again and that the payment didn’t go through. I look through my Self and bank history and they never charged me on the first. So I had received a false email. I now have delinquent charges due to a faulty auto-pay and emailing system. I liked this app until I referred my husband, that’s when I started having issues. My credit score did go up 40 points, but ultimately I know that it doesn’t matter because the same app is going to drop my credit score back down due to the faulty system. We live paycheck to paycheck and I specifically budget for this app. So the fact that the autopay doesn’t work really screws me over. I will not be using this app again once the loan is paid off. And I pray that I don’t get scammed out of my return like other people. I will be taking up dog-sitting jobs to try to pay off this loan faster because I don’t want to lose sleep over something that should be helping me. DO NOT SIGN UP FOR SELF! DO NOT REFER PEOPLE. It will end up hurting you if you don’t notice the auto-pay not going through! Don’t rely on the email, you’ll have to constantly be checking the app! The 5 star reviews are also fake, they literally have an employee do 3 fake ones a day..Version: 3.9.1✗ Build Credit & Savings - Self Negative Reviews
Is Build Credit & Savings - Self legit?
✅ Yes. Build Credit & Savings - Self is 100% legit to us. This conclusion was arrived at by running over 246,954 Build Credit & Savings - Self user reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, AppSupports Legitimacy Score for Build Credit & Savings - Self is 96.2/100.
Is Build Credit & Savings - Self safe?
✅ Yes. Build Credit & Savings - Self is quiet safe to use. This is based on our NLP analysis of over 246,954 user reviews sourced from the IOS appstore and the appstore cumulative rating of 4.8/5. AppSupports Safety Score for Build Credit & Savings - Self is 96.7/100.
Should I download Build Credit & Savings - Self?
✅ There have been no security reports that makes Build Credit & Savings - Self a dangerous app to use on your smartphone right now.
Build Credit & Savings - Self Screenshots
Product details of Build Credit & Savings - Self
- App Name:
- Build Credit & Savings - Self
- App Version:
- Self Lender, Inc.
- Legitimacy Score:
- Safety Score:
- Content Rating:
- 4+ Contains no objectionable material!
- App Size:
- 78.49 MB
- Bundle Id:
- Relase Date:
- 30 March 2018, Friday
- Last Update:
- 25 September 2023, Monday - 13:37
- IOS 12.0 or later
Thank you for using Self! This app update includes: - Minor app improvements & bug fixes.