Impact Credit Scores - Self 5.5.2

Welcome to Self, a comprehensive credit building toolkit that offers a range of features to help you build credit, track your credit score, and unlock a credit card. Whether you have a low credit score or no credit score at all, Self is here to assist you on your credit-building journey.

Build Credit by Reporting Your Rent Payments for Free

• Grow your credit score for free by reporting your rent payments to all three major credit bureaus: Equifax, Experian, and TransUnion
• No hard pull or credit check required
• Establish positive payment history, which is the most important factor in building credit
• Track your credit score with VantageScore 3.0

Grow Your Credit & Savings with the Credit Builder Account

• Choose from plans starting at $25 per month
• Unlock your savings at the end of the program, minus interest and fees
• No credit score or hard credit inquiry required

Unlock the Credit Card for Credit Builders

• Work towards obtaining a secured Self Visa® Credit Card by opening a Credit Builder Account
• No credit check required
• Control your credit limit and build credit with all three major credit bureaus
• Use your card anywhere Visa is accepted in the US

Build Credit with Even More Payments by Reporting Your Bills

• Build credit by reporting payments for cell phone, water, electricity, and gas bills for just $6.95 per month
• Add up to five payments to your credit each month
• Enjoy credit monitoring services by TransUnion and identity theft insurance up to $1 million
• Cancel anytime

Take Your Credit Score to a New Level

On-time payments made by customers with Self Credit Builder Accounts have resulted in an average credit score increase of 49 points for individuals starting with a credit score under 600¹.

Expand Your Credit Building Toolkit

Self offers various offers, products, and money-saving opportunities along your credit building journey. Stay informed about these possibilities as you progress towards better credit.

Access the Self Visa® Credit Card

To be eligible for the Self Visa® Credit Card, you must have a Credit Builder Account in good standing, make three on-time payments, have $100 or more in savings progress, and meet income requirements. Please note that eligibility requirements are subject to change.

Please refer to the official FICO website for more information on credit education and FICO scores².

Self provides Credit Builder Accounts & Certificates of Deposit, which are offered and held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each a Member FDIC, and are subject to credit approval³.

Loan products from Self have a minimum and maximum repayment period of 24 months, with a maximum APR of 15.97%⁴. Pricing details can be found on the Self mobile app or the Self.inc website.

The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender or SouthState Bank, N.A., Member FDIC, Equal Housing Lender. Please refer to the Self.inc website for more information⁵.

Average outcomes for customers who opened a 12-month Credit Builder account in Q1 2021 with a starting VantageScore 3.0 under 600 and made on-time payments resulted in an increase of their credit scores. Individual results may vary and are not guaranteed. Other factors and activity with other creditors may impact results⁶.

Results may vary, as not all payments are eligible, and not all lenders consider rent payments in their credit assessments. Visit the Self.inc website for additional details⁷.