Self offers a comprehensive credit-building toolbox through its credit app, catering to individuals with low or no credit scores. Users can report rent payments for free to boost their credit scores across all three major credit bureaus without undergoing a hard credit check. The platform emphasizes establishing positive payment history, a crucial factor in credit building, and provides credit monitoring using VantageScore 3.0.

The Credit Builder Account by Self enables users to grow their credit and savings starting at $25 per month. This account does not require a credit score or hard credit inquiry, making it accessible to a wide range of individuals. Additionally, users can work towards unlocking a secured Self Visa® Credit Card, which allows them to control their credit limit and build credit with all three credit bureaus, accepted wherever Visa is recognized in the US.

Self encourages users to report additional payments, such as cell phone and utility bills, for a nominal fee to further enhance their credit profiles. By making on-time payments through the Credit Builder Account, individuals with credit scores below 600 have seen an average increase of 49 points. To access the Self Visa® Credit Card, users must meet specific eligibility criteria, including maintaining a Credit Builder Account in good standing, demonstrating savings progress, and meeting income requirements, subject to change.