Impact Credit Scores - Self App Negative ReviewsSelf Lender, Inc.

Impact Credit Scores - Self Negative Reviews

4.8
4.85585 star

Total 9 Negative Reviews

Impact Credit Scores - Self App Complaints & User Negative Comments 2024

Impact Credit Scores - Self app received 9 complaints, negative comments and reviews by users. Have you ever had a bad experience using Impact Credit Scores - Self? Can you share your negative thoughts about impact credit scores - self?

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Impact Credit Scores - Self for Negative User Reviews

Randomly close my accountI’ve been with the company for years, never had a problem. I had a dispute issue with Self in May and that’s when everything went bad!! After going back and forth and reopening the same dispute. I randomly start getting emails stating my card is lock, my credit builder account and Self card is being closed oh and the dispute is denied again lol. I provided my bank statements, DLs, me holding my DLs, last 4 digits of debt cards, ssc as requested the same day I received the emails. Literally 10 to 15 minutes after getting the emails. They don’t even tell you why it’s closed. I explained if I’m making a large payment CHASE will decline the transaction and ask you to verify. Not even 24 hours they made the decision to close ALL accounts but told me they cannot provide a time I would receive my funds back because they have to “verify” dude what was the point of me verifying in the first place! They accepted MY MONEY out of MY ACCOUNT then closed it just to say I cannot be provided a time I would get my money back but what is CRAZY….they actually told me I could “just apply again”, WHY so you can steal that money too! Why close a 4 yr old account just to open a new one! I have photos of all this. They tell you to reach out just to be no help, they use text expanders just to email everyone fast enough. They don’t care..Version: 4.6.0

Scam At It’s FinestSCAM! DO NOT DOWNLOAD! Self gave me a credit card, one of which I had to pay a security deposit to use. So basically if you got a credit line of $325, before you can use a single cent, I must pay that amount. Essentially, it’s your money, at no time did Self give me credit on their behalf that I had to pay back, the money is my own. So in theory, if I load up $325 and spend it all, I owe myself? Correct; so I had a credit builder account as well as the credit card, my credit builder got up to $539. They sent me about $214, and the rest was to be used for my credit card for the security deposit, or so I thought. They never put the money in my credit card, as a matter of fact, they wanted me to pay another $325 for the security deposit, which basically means they wanted $650 from me, half they hold hostage while the other I use as credit. Displeased, I requested that they closed my account, with them saying they’ll use the $325 to clear my debt, a debt I have to myself, which means I’m owed $325, but no, Self is keeping that money, even though I took not one cent from them, they’re keeping $325 from me that I was saving. This is fraud at it’s highest level. DO NOT USE THIS APP..Version: 2.15.0

Very disappointedI gave you guys a good reveal and Now i wish I didn’t yes it did help my credit but the account building that you pay so much every month to save that money then when my account was finally done you guys sent me a thing telling me I’m getting over $700 and I’m supposed to receive this in my checking account well the day that you guys put the money in was only a little over 200 I thought it was supposed to help you build a Credit and build saving my understandings I was supposed to get that amount and talking to someone on the phone did not help me one single bit they were not helpful at all so as soon as my credit card is paid in full hopefully I will receive my deposit from that credit card so be careful read everything I do not recommend these guys I feel I got screwed very hard and I was disrespected I hope self figures things out oh yes I am very disappointed I was expecting that money that I could use towards a new car they did help with my credit but the credit building thing is a waste of time I still feel the same as I did leaving this review they wanted me to update it well here’s my update you guys screwed me you screwed me hard building credit in the credit builder you guys sent me I think stadium supposed to get 725 in my checking account all I got was 200 and some dollars yes I have 400 they deposit into the credit card so why am I still short on the 725 you guys screwed me so I still give you a very poor fairy unsatisfied?.Version: 4.6.0

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

Way Different but has a lot more Con than ProsFor the Credit Card as an example rather than pay out of your own pocket of a deposit for the card if you have a self credit builder they take from that instead your own money. Two is anytime you make a payment to the card they charge you interest or their tax on top of it. Other Credit Cards don’t do that! That should be taken out completely. It’s not a loan it’s a credit card. It’s more their way to get money out of you. Especially if trying to pay anything off. Plus you can set a date to pay anything it has to be On that day you trying to make a payment when you want to set up a payment for whether 3 days from now or two weeks from now but they want you to do it on that day. I have not seen Self do anything for my credit score but raise 2 points after paying off the loan which was a joke and didn’t do anything when I made on time payments. This is more for someone that does not have any credit and like to establish some credit but don’t expect Self to bring you to 700 or 800 quickly they may just give you two points and all money back..Version: 2.15.0

Do not waste your timeI went through all the steps to get approved for a secured credit card I had to make deposits into an account several months before giving me a credit card then I went on vacation with my family got down the Florida going through the parks paying for dinner then I got an email blue to verify my identity requested a picture of my drivers license a picture of my Social Security card Picture of the account information where the deposits are going A picture of my debit card I thought this was crazy after several months of them already having my information they requested and again so I told them to close the account don’t waste your time this could be a scamCouldn’t believe that after giving me the card I get an email because I use the card so much to buy dinner and different things but I was in my limit they requested more information and after reading the email it was like I woke up in Russia I thought I was dealing with an interrogation they wanted a copy of my Social Security card a copy of my drivers license also a picture of me holding my drivers license a picture of my debit card talk about trying to steal somebody’s identity if you use them be careful you could go through the same thing.Version: 4.1.0

Be careful and I would not recommend it!This been a nightmare! Four Months ago I decided to work on my credit because I do not have tons of loans to build my credit score... I decided to contact them. Wanting to be a good customer... I paid them the full amount in advance. Provided them with a picture of CA ID, SSI, Email, name, phone number and used my debit card for the full payment in advance. Two month later they asked for my debit card picture, which I found suspicious and uncomfortable to do... so I refused. They emailed me saying that my account been closed, I said fine... as longer as I get my money back. Four months later I still never received the service nor my money. I am so disappointed! I do not like writing a bad reviews, but I need help and please give me my money back! This is highway theft! Someone please help and stop this! It is not professional! Stop reopening my account without my permission... after you emailed me saying that, “you have closed it”. It’s or should be illegal (if it’s not yet!). I really do not have time for this, please stop!. The agreement was... your service and I pay you. You can’t deny me your service and keep my money!!!!!!! I do not ever want to work with you and I will NOT send you a picture of my debit..Version: 2.17.0

Don’t do itI opened an account in November 2022 and closed it on February 2023 my credit went down by opening my self account then payment are crazy. For evey transaction they charge 5 dollar, lets say you have to make a payment of 150 dollars but you made a payment of 149 by accident and now you have to pay 1 dollar, they still charge you 5 dollars for any transaction. Just know every moth you’ll be given them free money ($5) or more. And when i close my account everything got even worst, my credit went down even more, just know when an account is being closed that will impact a lot on your credit. the points they gave me on my credit wasn’t more than what i had when i started. If i could I would ask for my money back. Ahhh and the payout is crazy they ask for your ID-picture you holding ID - social security card bank statement with your most recent payment of self, too much, it’s so easy for the money to come out of my bank account but so hard for them to give me my own money back. I’m still waiting for the money and i close the account feb21, today is march7 and payout supposed to be the feb6th and is not even processed yet..Version: 4.1.1

Bad experienceI started my Self account to help built my credit, with only 25$ a month I was building credit. I set my account to Auto pay and let it work, since it was on auto pay I never had to remember to make my payments. A couple years later I received an alert from one of my credit monitoring apps telling me my score dropped 134 points. I couldn’t believe it when I saw that Self had thrown me into collections. At this time my Self account was already 90% paid off. I then realized I had my wallet stolen 2 months prior and never gave Self my new debit card number for my Autopay. I have many bills that come out in a month and since I hadn’t thought about Self in 2 years it slipped through the cracks. I looked through my emails to see how I missed it and I had been sent alerts but unfortunately they were all going to junk mail. I searched through the Self website and Google to find a number I could call and they don’t have one. I wish I would have received a call or even a text alerting me I was going into collections. I would have paid 25$ easy or even paid the rest in full!! I have found other ways to build Credit and It’s higher than ever but every time I apply for credit somewhere, this shows in collections as a negative unsecured collateral debt. I don’t think I should be in collections since I don’t owe them anything. I paid them 25$ for 2 years if anyone lost anything it was me..Version: 3.9.1


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