Whether you’re starting from scratch or rebuilding, Self offers two powerful tools to help you take control of your credit. A strong credit score unlocks financial opportunities like better loan rates, credit cards, and even improves your job prospects, as many employers check credit reports.
To boost your score, focus on paying bills on time, keeping credit card balances below 30% of your limit, and checking your credit report for errors. Protecting your identity from fraud is crucial, as it can damage your credit. If your score needs repair, credit rebuilding services can guide you. Explore the tools below to start improving your credit and building a stronger financial foundation!
$1,000 Credit Limit
Start building your credit with a secured card that reports to all three major credit bureaus.
$0 annual fee for the first year only3
1 The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
2 Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
3 $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.99%. Offer valid for new customers only.
Leverage your existing monthly payments to build credit — at no cost.
Add up to 24 months of past payments with LookBack. +
Optional add-on: Report cell phone and utility bills for $6.95/month. ~
No credit card or credit check required to get started.
Payments typically report within 36 hours to credit bureaus. ^
* Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent/utility payments.
+ Active subscription and eligibility required. LookBack products reports up to two years of previous payments for a one-time fee.
~ Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion.
^ Payments typically reported in 25-36 hours and may take two weeks or more to appear on your credit report.
Choose the option that fits your needs:
Both options are designed to work together, helping you establish a solid credit foundation.
Having this card is one of the best decisions I made. Ever since I started with Self I have seen a major improvement on my credit.
— Roderic T.
I love my Self Visa credit card, it’s really showing me how to be more responsible with my credit and how to manage my funds properly. I was skeptical at first about getting it but I am thankful I did. My credit has boosted on Fico, Experian and TransUnion.
— Liddia C.
Great program for people rebuilding their credit. I am now offered competitive rates. I recommend this card for anyone starting or rebuilding their credit.
— Leon H.
Real reviews from Self customers. Results vary. Not paid or sponsored.
A low-barrier way to establish or build your credit history.
Self Free Rent & Bill Reporting
A simple way to boost your credit by reporting everyday payments.
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