Self. Review 23 Reviews

I used this as a way to boost my credit. It won’t have a huge impact on your score, but will provide a slight increase.

This is a good resource if you can't trust yourself with a credit card or have had to file bankruptcy and are looking to rebuild credit. It's site is user-friendly. However, there are a lot of fees, so if you have another choice available to you, it's worth looking into that.

Totally accurate listings, plus i love that they help you apply for new ones you never would've thought might help you.

It's easy and the incentives of self are very nice.

Self Loan is a type of loan that lets you borrow money and yet establish credit. Regular payments are made to a collateralized savings account, and credit bureaus are notified of these payments. For people trying to establish credit, it could be a decent choice, but be careful to read the conditions and costs.

My identity was stolen and I didn't find out until it was too late to combat it. I hardly had any history of my own at the time--almost everything came from the thief--but my credit score looked obviously unhappy. I came to Self as a way to establish history and start building my credit score back up--and it really did help my score climb a fair few points! I wouldn't recommend it if you already have good credit, as there are some fees involved that are not exactly ideal. But if you need a way to get your history built, this is a great one!

You can for sure build your credit but I never received my deposit back as promised. Instead they applied it to fees

Self Loan is a loan product that allows you to build credit while you borrow. You make regular payments into a savings account that serves as collateral, and the payments are reported to credit bureaus. It may be a good option for those looking to build credit, but make sure to understand the terms and fees.

It can be a good way to build credit if you really don't have any. It is a good way to get in the habit of paying off a loan in a specified amount of time. Still, you do lose out on a bit of money.

This is a good idea in theory, but there are fees that can quickly add up. It's probably a better idea to start building credit another way.