Impact Credit Scores – Self

Self is your credit building toolbox. Build credit, track your credit score, unlock a credit card, and more.

With the Self credit app, you’ll have everything you might need to build credit. Low credit score or no credit score — get started today. At Self, all credit scores are welcome.

BUILD CREDIT BY REPORTING YOUR RENT PAYMENTS FOR FREE
- Increase your credit score for free*
- Build credit with all 3 credit bureaus — Equifax, Experian, and TransUnion
- No hard pull, no credit check
- No credit card required
- Establish positive payment history — credit’s #1 factor†
- Track credit score with VantageScore 3.0‡

GROW YOUR CREDIT & SAVINGS WITH THE CREDIT BUILDER ACCOUNT§
- Plans start at $25/mo.‖
- Unlock your savings at the end, minus interest and fees¶
- No credit score required
- No hard credit inquiry, no credit check

UNLOCK THE CREDIT CARD FOR CREDIT BUILDERS
- Work toward a secured Self Visa® Credit Card¹ with a Credit Builder Account§
- No credit check required
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US

REPORT MORE PAYMENTS FOR MORE CREDIT
- Build credit with cell phone, water, electricity, and gas payments for $6.95/mo.
- Add up to 5 payments to your TransUnion credit report each month
- Credit monitoring by TransUnion
- Identity theft insurance up to $1 million
- Cancel any time

TAKE YOUR CREDIT SCORE TO A NEW LEVEL
People with Self Credit Builder Accounts who start with a credit score under 600 and make on-time payments lift their credit scores by 49 points, on average.²

ACCESS THE SELF VISA® CREDIT CARD
Card eligibility requirements include a Credit Builder Account§ in good standing, 3 on-time payments, $100 or more in savings progress, and satisfying income requirements. Requirements are subject to change.

* Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent reporting. Not all bill payments may be eligible. See learn.self.inc/lpg/mpa/rent-bills-landing for details.

† See https://www.ficoscore.com/education#WhatYour FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

‡ Credit scores will only be available to customers our 3rd party vendor is able to validate.

§ Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

‖ Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.97%. Sample products are $25 monthly loan payment at a $520 loan amount with a $9 administration fee, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self mobile app or Self.inc for current pricing.

¶ Minus fees & interest. Individual results may vary and are not guaranteed. Improvement in your credit score is dependent on your specific situation & financial behavior. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report.

¹ The Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See Self.inc for details.

² Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, starting VantageScore 3.0 under 600, who made on-time payments. Other factors, including activity with other creditors, may impact results. On-time payments does not mean full program completion and past performance based on study does not guarantee future results. Credit score increase not guaranteed.

Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702

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