Self - Credit Builder

Up your score* with rent payments fast at no cost, or build credit and savings.

"Self - Credit Builder" is your customizable credit toolkit, enabling you to build credit and savings simultaneously. With options to report rent payments, apply for a secured credit card, or build credit through utility bills, all with no credit checks, it’s designed for individuals seeking to boost their credit scores regardless of their current credit status. Start improving your financial health today at no cost!

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By:: Self Financial, Inc.
Downloads:: 3,924,275 8.39K
Rating:: 4.54

(87,217) 147 new ratings
Version:: 6.4.0 (Last updated: 2025-04-04)
Version code:: 7177
Creation date:: 2018-03-30
Permissions:: android.permission.ACCESS_ADSERVICES_AD_ID
android.permission.ACCESS_ADSERVICES_ATTRIBUTION
android.permission.ACCESS_COARSE_LOCATION
android.permission.ACCESS_FINE_LOCATION
android.permission.ACCESS_NETWORK_STATE
android.permission.ACCESS_WIFI_STATE
android.permission.CAMERA
android.permission.DOWNLOAD_WITHOUT_NOTIFICATION
android.permission.FOREGROUND_SERVICE
android.permission.FOREGROUND_SERVICE_REMOTE_MESSAGING
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Size:: 82.87M
Email:: su*****@self.inc
URLs:: Website ,Privacy policy
Full description:: See detailed description
Source:: Google Play Store
Updated:: 21 hours ago

Ranking

# 25,327 ▲ 29

Other rankings

#105 in Finance (Free) ▼ 5

User reviews

Pros

Helps build credit successfully for many users
Offers features like credit cards after a period of saving
Allows users to choose their monthly payment amounts
Provides a simple way to save while building credit
Positive long-term experience reported by several users

Cons

Confusing app interface and navigation issues
High fees and penalties associated with missed payments
Initial credit score drop reported during setup
Lack of effective customer service and slow response times
Deductions from savings account are not clear and feel unfair to some users

Most mentioned

Late fees and penalties for missed payments
Initial drop in credit score during setup
Complications with account management and app navigation
Account closure leading to significant drops in credit score after completion of payments
Frustrations with customer service and app bugs

These summaries are automatically generated weekly using AI based on recent user reviews. User reviews may be inaccurate, spammy, or outdated.

User reviews

It's good credit builder but when you pay your money every month it doesn't go toward the credit line, that is seperate from the money you put in on the savings. They charge you a penalty if you don't pay it on time which in my opinion is messed up because it's your money that is building your credit, I mean a penalty and it hurts your credit... Come on now, hurting your credit is bad enough, but to charge me for not paying on money in time, is just down right ridiculous!!

Roger B, 2025-02-02

First and foremost just setting up the account dropped my credit score by 40 points and I've seen it drop by 6 more points two other times since the huge point drop.... so you're gonna essentially just be using the app to fix the score they damaged. Couldn't do no stars so this it what you guys get. Absolutely terrible app. During the setup and application process it said unable to complete account setup so I gave up but a month later get multiple emails saying my loan payment was overdue.