Self - Credit Builder

Editor's Review

Self is your go-to app for building and managing your credit! 🛠️ Whether you have a low credit score or no credit history at all, Self provides the tools you need to get started. This app is designed to help you build credit, track your progress, and even unlock a secured credit card without a credit check. It’s like having a personal credit-building toolbox right at your fingertips! 🧰

One of the standout features of Self is the ability to report your rent payments at no cost. 🏠 Yes, you read that right! By reporting your rent payments to all three major credit bureaus—Equifax, Experian, and TransUnion—you can boost your credit score without any hard inquiries or credit checks. This is a fantastic way to establish a positive payment history, which is the #1 factor in your credit score. 📈 Plus, you don’t even need a credit card to get started!

If you’re looking to grow your credit and savings simultaneously, the Credit Builder Account is an excellent option. 🏦 Plans start at just $25/month, and on average, users see a credit score increase of 47 points! You'll unlock your savings at the end, minus interest and fees. No credit score is required to open an account, and there’s no hard credit inquiry involved.

To further enhance your credit-building journey, Self offers the secured Self Visa® Credit Card. 💳 What’s great about this card is that it doesn’t require a credit check! You can control your credit limit and build credit with all three credit bureaus simply by using the card responsibly. It’s accepted everywhere Visa is accepted in the US, making it a convenient tool for everyday purchases.

Self also allows you to report more payments for even more credit-building potential. 🧾 For $6.95/month, you can report your cell phone, water, electricity, and gas payments. You can add up to 5 payments to your TransUnion credit report each month, and you'll also get credit monitoring and identity theft insurance up to $1 million. You can cancel anytime, giving you flexibility and peace of mind. 🛡️

Access to the Self Visa® Credit Card requires meeting certain eligibility criteria, including income and expense requirements and the establishment of a security interest. These criteria are subject to change, so it's always a good idea to stay informed. Self Financial, Inc. is committed to helping you build a better financial future, one step at a time. 🌟

Features

• Report rent payments to build credit

• Credit Builder Account to grow credit and savings

• Secured Visa® Credit Card with no credit check

• Report cell phone, water, electricity payments

• Credit monitoring and identity theft insurance

• Track credit score with VantageScore 3.0

• Build credit with all 3 credit bureaus

• Establish positive payment history

Pros

• Build credit with no credit history required

• Track your credit score easily

• Report rent payments to build credit for free

• No hard credit check required for many features

• Unlock savings while building credit

Cons

• Score improvement is not guaranteed

• Some features have monthly fees