Self Lender
reviews and complaints

I was so excited to use Self to raise my credit score. I read several positive finance articles online about self, and felt even more confidant after reading many reviews on the app itself in the App Store.

What I wasn’t prepared for was for my credit score to drop by 51 points after opening this loan. I started off with a pretty decent credit score of 680 ish.

I opened my account end of January with the first payment to be automatically deducted in February.

I’ve had automatic on time payments every month since; and had no changes to my credit report during the time of which my score plummeted— apart from applying for a self loan.

I even selected the highest monthly amount ($150) to increase the likelihood of a better credit score—so far nothing good has happened.

I’m disappointed and frustrated. I’ve tried to find a customer service email or phone number to discuss this with the Self company but I’ve had no luck.

I decided to write a review (my first ever for any app I own) after not knowing what else to do.

I did some reading on applying for personal loans (after this happened) and read it is normal for your score to drop (a little) and over time your credit score should increase with timely payments, and if there are no other changes/inquiries to your credit —- but a 51 pt drop?

If I could post pictures in this review I would insert here the screenshot of the email notification I received when my score fell 51 points. I was devastated. I still am.

I also feel a bit embarrassed as I spoke so highly of this app to friends, clients and colleagues—all of whom are awaiting my “results” before they try using self.

If I could do it again, I would have never downloaded this app had I known my score would drop by so many points.

I understand that each person’s experience on this app will be different due to variables that impact our credit score, but a 51 point drop?

I just can’t seem to understand how much my score will really “increase” when this loan is paid off February 2022.

Hopefully next year I will be able to update this review in a more positive light.

I hope someone from self reads this and contacts me to discuss this matter.

I also hope that they are more transparent on the app regarding scores dropping when you request a self loan.

I wish everyone good luck on their credit rebuilding journey.

I deleted the app but I went to download it again to warn people with this review. I’m giving Self two stars because the reviews are accurate they do help you raise your score but if you are building credit with little to no credit this is not the way to go, just get a secure card starting with $200 from Discover trust me. So I applied to self lender because I basically had no credit and I needed to build, I thought self lender was great I paid on time and watched my credit score jump up at a great rate. So you will gain points by paying on time when they update and they update faithfully every month. I was feeling so good watching my credit score grow I was so happy well here’s the catch. If you have little to no credit history and Self lender is like one of your only accounts or oldest accounts with good payment and building history you’re screwed. I was offered the credit card but didn’t take it because of the high interest rate anywho I closed out with my credit builder account with a score of 680 which was very good because I stared in the low 5’s so I was very happy with self lender and my hard work of payments. I got my money from my CD account deposited into my bank account and I saw that they updated on my credit report as paid then about 3 days later they updated the account as closed. Omg when the account updated as closed all of my hard work for the year vanished my entire credit score dropped back down to what I started with because this was the oldest account I had showing positive payment history etc but now that it was closed it was not good for me. The account needs to be open and in good standing to help so because it’s showing closed my score is doomed. All of my hard work of payments and credit score vanished in the blink of an eye just be careful when you close the account if I could have kept it open I would have because the account closing was a huge bummer and ding for my score. After a year of payments my score is back where it started off at, I would have been better with a secured card my friend starred a secure card for $200 with Discover paid on time never missed a payment and they changed it to an unsecured card and raised her limit to $1700 plus sent her $200 back you can’t beat that. Please beware I just don’t want anyone to feel robbed like I did, my entire rating dropped I went from fair back to poor. :(

I think this is the only review I have done on an App. I don’t know how SELF is not bigger than they are and known for their legitimate and unheard of impact made to the betterment of their clients. I have been working on my credit for a few years now; choosing to rectify the issues rather than filing for bankruptcy following a grossly fraudulent marriage. I dove in headfirst fully committed ‍♀️ (so I thought) by hiring the “law firm”dedicated to peop fixing credit issues for the low monthly fee of $99/month, plus I was even given the discount for enrollment fee of $99(on time, normally $199-). I shake my head in embarrassment and disgust every time I recall that situation. Scamuation if you ask me, but just my experience. My credit score hadn’t changed in after thirteen months. Nor had my understanding of credit; essentially I was $1400 deep into something I had nothing but a good sales person and a trusting belief I was going to be credit worthy because of their assistance and partnership. Neither happened, fast forward a few years later and I was nearly convinced I was never going to be a credit card holder, buy a home, get a car without a co-signer etc. These were the repercussions of being given a debit card and checks at fifteen; then enduring a decade of hardship in an abusive marriage. Financial abuse was the biggest controlling factor of all. Had that never been in the picture I could have left the second I knew I had no idea who I married. Thanks to Self, I am twelve months into a partnership with them no longer settle for subprime offers. Yes, I actually have lines of credit today. My credit score is no joke up over 117pts (I am not a paid endorser, this is for real for real) . I am looking forward to buying a home, already bought a new car and I am on my third product with Self. Two other lenders are also trusting me with the ability to utilize their cards responsibly and I do. The education I have received from Self is almost as astonishing as the life changing effects of being a person of credit worthiness.. I am in awe of this company and wish everyone was as willing to invest in themselves as Self is in them It’s a new life, I literally can’t imagine how to ever repay them or explain clearly just how much they have helped me change my life. If you are on the fence….just ask yourself, what’s the worst that could happen? What’s the best? Which one of those two have you been able to get closest to on your own? take care of yourSELF

This my TrueTestimony.have nothing but good things to say about Self. I learned so much about credibility more now than ever my usage how do use it without going over 30%. When I apply for Self October . My score was the lower 600s. I wasn’t pleased at all even though I know I’m a good pay it when it comes to my bills. It was that low because I haven’t touched my credit in seven years. The first time I reopen my credit was October 10,2020. I was actually referred by Lexington Law I was a client of theirs they also are good when it comes to credibility and knowledge. When I apply for self hours automatically excepted I’ve chosen the 12 month $48 a month program. I pay my bill on time for $48 for 12 months after the second month of my payment I saw my credit score jumped from the lower 600s to mid 600s.every 30 daysAll three credit bureaus will report your credit ability you will see changes for the better if you remain good payment history and usage low .
I kept paying on time and then they allow me to apply for a secured credit card with the money that I have use for fromMy builders account. I accept because I want to another credit card. To build my credit and more. I paid over the minimum every month on top of the $48 each month. I see my school November jump from mid 600s to upper 600. Learn to keep my utilization under 30%. From November till nowNovember9, 2021My score right now is 721. I am ecstatic Happy I am .. When I close my account officially October . They did send me the check for the remainder of the balance that I’ve saved .within 2 weeks I would like my score to jump to 800.I reapply for the self builder account now for November . To November 2022 I love this program ,I truly recommend it to anyone who wants to see the score go up Quickly and also rebuilding their credibility in learning more about realization and keeping yourself in check when it comes to your credit monitoring .self is a great a great organization and I have nothing but good things to say about this company.I truly thank you Self for your knowledge and every time I need to speak to representative you guys are always there for me again thank you self builder for my newfound credit. I’m never going to let my credit fall again.Good luck to anyone who are with Self now you will be satisfied at the end of the road keep monitoring your credit and self account every month to see the progress it takes time but believe me it’s all worth it at the end❤️
Sincerely,
Ms Tee M..NY

Although I carefully every single small disclosure, all the paragraphs, terms and conditions, it said that I was going to get linked to their own

At the end of August, I stumbled upon , it sounded promising, and a legit way to improve my credit score. : at the time, WITHOUT their help, and thought that self would help me boost my credit.

My credit continued to improve BECAUSE of my own dues, and not theirs. I was happy with what I’ve achieved with my own merits.

Then, at the end of October, I received an email from them stating that since I’ve made two consecutive payments, that I was going to get their card, which allowed me to make purchases ℎ the money I’ve sent them two months in a row. It also stated that there were no hard inquiries, and that the card was ℎ. Here’s how SELF works: you choose the amount you wanna put towards an account every month for x months. ℎ . However, let’s say that you agree to pay $520 in ten months, (52/month) ' 520, because they attached an apr to it, so you’ll end up with $470 ishh.

So since I saw that there was a fee attached to the program it never said ℎ , so I figure that “the card” wasn’t going to have ℎ, because .

On 12/07 my credit scored HAD DECREASED 6 pts, because Self had reported the account to the credit bureau as a loan. I was upset. I’ve NOT GOTTEN a credit increase because of them, none. Today 12/10, my score drop another 4 points. I checked the credit bureaus and it said that I had a balance on a credit card (self). I was like, so is this a loan (which all money is mine anyways), or a credit card?

I opened the SELF app and it say “way to go! Since you open self your score has increased 42 pts. That I DID ON MY OWN! Not through them then I proceeded to review the entire app; there I found it, the so helpful card with no fees since it was part OF my own loan, paid with my own money. I opened the tab, and I was charged a $25 ANNUAL FEE to have a card, which I’ve not activated, nor intend to, because I’m paying my credit off.

So, take it from me: you’ll end up with less money, a credit card annual fee, AND a blow ( like they claim) to your credit score.

I am very disappointed. I’ve been working hard to fix my credit, and this app blew 10 points away from it in less than a week. Ohhh, their reports are inaccurate: I’ve been making payments since 9/2-12/02 4 payments. As of 12/10, they’ve reported 1.

Because of my circumstances in life, & believing I really didn’t need credit as I save for what I want, I found myself at 42 with NO credit score at all. None. Zero. When I tried shopping for a new used car, I found I couldn’t even get a decent list to pick from without credit. So then began my one-year journey of TRYING to get credit somewhere. Couldn’t even get approved for a secured, pre-approved CC. Went to my own bank and the lowest they would offer me is $5,000, with 17% interest, & an almost $400/month payment. As I’m disabled, I didn’t make enough to be approved. That payment would’ve killed me anyway. I dived into research of anything that would help me - at least get my foot in the door to start building a credit score. And that’s when I finally found Self.inc! After reading tons of reviews, I decided to bite the bullet and apply. Self offered me a secured-loan... After paying $509 up front, for them to deposit into an interest-earning-CD, they set up $25/month payments for me over a two year span. These payments are all reported to the three major credit burrows and therefore, I started my journey to FINALLY be able to start building a credit score! The $9 is an administrative fee with the $500 going into the CD. The $25 is more than affordable for me to pay monthly (thanks SO much, Self!) & at the end of 2 years, I get $420 back from the CD. Basically, I pay them $89 when it’s all said & done to report payments for two years to give me a credit score and I’m assuming they keep any interest made off the CD. Which is fine to me because then I don’t need to pay taxes on it. That’s how easy it is! My first payment is listed as the $9 for the month I opened the loan. Then the following month, is when I started my regular payments of $25. That confused me just a bit because I thought my very first payment would be $34 ($9+$25) but it wasn’t, which was okay. After 6 months of on-time $25 payments, +the 1st month of $9, I unlocked their Self CC. I was then able to have enough of a credit score to be approved by another company for a secured CC with no annual fee! So this then allows me to show I can have a few lines of credit, & pay them, which helps my credit score even more! It’s now going on 8 months since opening my Self.inc credit builder loan and I have credit scores ranging from 670-692 and building! THANK YOU SO VERY MUCH, Self! Thank you for being there for people when no one else is! Thank you SO much for being a more affordable option; and personally, for helping me finally build a credit score!
Update: After 19 months, my credit score has made it above 750!

Ive been with self lender since 2017 and it has boosted my credit score tremendously life happened and I had to close out my account in 2019 . In 2020 I started a new account everything went well for almost a year in December I lost my phone and had to get a new one when I tried to log into my account it said I was locked out and needed to get in contact with customer service I searched and found a number that was an automated system that automatically disconnected after telling you what they handle over the phone there was no option to talk to a live person this was December 6th I searched until I found a Facebook page I messaged them about my problems they said ther weren’t affiliated but gave me an email address to contact them directly after emailing I had to wait 2-5 days for a response I explained the issues I was having and I was given the same phone number that I just told them didn’t work I emailed back getting the same answers I explained in my emails that I’m worried about late payment reports as I’ve been working on my credit for the past year to try to buy a house for me and my kids I was assured that this would my happen because it wasn’t an error on my end I was locked out the system because my ssn was duplicated in the system and I needed to various information. I gave them my phone number and requested a call back I was told that they are unable to process call backs whatever that mean then I would get the same response call the number provided (same number that didn’t work ) on January 25 I was finally able to get I touch with someone and I was able to unlock my account I was my payments showed 2 months late which I paid immediately but was told by the customer service rep that he had to report it late to the credit bureaus. I explain the situation and what I was told by whoever was responding that it wasn’t my error and that I can’t afford a missed payment to reflect on my account and there’s nothing he could do I just have to report it . On feb 5th I was told by my realtor that my fico score was high enough to get me approved for a loan and that we would start paperwork on feb 6th when I checked my credit score the next day self reported that I missed 2 months payment which dropped all 3 of my scores by 59 points I was so devastated I’m now looking on 3-4 months to get my credit score back where it needs to be to get approved again after my loan ends I’ll never open another account with self. I would not recommend anyone to open an account with them either this isn’t the way to treat good die hearted members that never miss payments and have accounts in good standing

I have yet to download your app because you are using intentionally misleading, or entirely missing, info. Okay. So, the FIRST thing you don't mention clearly, is that WE have to PAY YOU, total strangers, at least $600. Supposedly by making a deposit in YOUR bank. And, THEN, we must start "paying our own money off" by, on time and every month, paying YOU ANOTHER $600! So, UP FRONT, we GIVE YOU $600 of our own money. Then, over 12 or 24 months, we give you $600 MORE. We don't GET BACK any of our original $600, we just, theoretically, "pay it down" each month. SO, in order to "pay off" our OWN money, we have to make, say, a payment of $25 per month over one or two years. Am I to assume that the money I INITIALLY PAID will be diminished by THAT MONTHLY AMOUNT? Just... "cause"? And, at the end of the one or two years, when I have "paid off" my OWN money. THEN what happens? Because at the start of the process I gave you $600, and at the END of the process I gave you $600. Total; $1,200. How'm I doing so far? THEN, supposedly, you pay me BACK my SECOND $600, minus 20% interest and fees and whatever else you want to pay yourselves. SO, supposedly, after giving you $600, then PAYING IT OFF with another $600 ($1,200 total), I end up with about, what, $900 and... WHAT ELSE? This is all supposedly for you to make money and for me to raise my credit scores (I have been the one to climb out on every limb). And, YOU are very cagey about just how many points my credit score MAY go up (over this one or two year period). So... Is it 100 points? 50 points? 257 points? 106 points? 34 points? WHICH IS IT? EVERYTHING ELSE, up until this point, has been VERY SPECIFIC. WHY is how much my credit scores (may) go up so... UNspecific? Seems to me that if this process is successfully and specifically completed, one's credit score should go up AN EXACT, PREDICTABLE NUMBER OF POINTS! Everything ELSE has been exact. Money out, money out again. WE lose $300, you GAIN $300. But, the POINT of all this is, supposedly, that WE improve our credit scores. SO, BY HOW MUCH? How many more points in credit do we get for tying up $1,200 of our own money for a year or two? YOU get $300. What do WE GET? AND, Why NOT? Because you can't guarantee us ONE SINGLE POINT. "YA-da, Ya-da, it depends on what you, on how you, on the context of what and how you... On 1400 variables out of our control." YAWN. (Funny, I don't see the word "guarantee" anywhere). So, answer me this; what is the MINIMUM number of points my credit will go up? Okay, what's the maximum? BETTER YET, what is the AVERAGE? There HAS to be an empirical average. So, what is it? WHAT. IS. THE. AVERAGE?

Ok, so I’ve had this app for 3 months now and here’s my take:
First, I haven’t seen any increase in credit score since I got this app. A Secured Credit Card actually helped way more than this app. Second, and more importantly, you have to be very careful as I believe this company tried to set me up for failure here’s how: Although I have Auto-Pay set up, I’ve manually made my payments several days in advance. Before the Auto-Pay kicks in. Thank god I did that. The day I decided to log into the app to make a payment I noticed that the balance was $39 and some change instead of the usual $48. I thought that was strange so I double and triple checked the balance due to make sure it was correct and it was. No explanation for the decrease in payment amount on the app. After the payment was made I decided to log back into the app and check and lo and behold, there was a balance of $9 and some change! I went ahead and made a second payment and cleared my balance.
BUT, here’s my that was most likely a set up by the company! If I had decided to not check and let auto-pay handle the payment, my payment would have been $9 short and I would have been charged late fees and lost my good standing with my payments! I contacted Self Support several days ago demanding an explanation for this and have yet to receive a response. Be VERY VERY careful people and check your balances frequently because if they pull this stunt on many people they stand to gain lots of money in fees and ruin the whole reason why we got this app. Very sneaky and underhanded gesture from this company, and I see others have had similar situations like mine you’ve been forewarned.

UPDATE: Developer response is VERY generic and cut and pasty. Only the Self Co has the authority and means to adjust the Payment Due amounts. Self purposely adjusted my payment amount in hopes that Auto-Pay kicked in before I noticed in hopes that I wouldn’t notice and then charge me late fees. If they do this to enough people, and depending on their user-base, they stand to make millions off of underhanded schemes like this. They have yet to offer one genuine explanation as to why and how this happened. AGAIN, BE VERY CAREFUL PEOPLE. I was wise enough to open a $1,000 Secured Credit card with Discover before opening this account to make sure that that would be my oldest account and not this Self account. I did that after reading reviews of this app not working or dropping scores when paid off. I suggest others looking to improve their credit just get a secured credit card. The secured card boosted my score by 94 points, Self a big ZERO! Luckily my brother is an attorney and in having him look into this company and how I can get out of all this without affecting my credit! My 1 Star review stands and I would rate negatively if I could. Note the developer’s generic response to all negative reviews. Then they tell you to contact a non-existing customer service. Will be contacting Apple regarding this app’s/company’s practices and the ComplaintsBoard.com.

Last February(2020) someone told me about Self,so in an effort to see if it was as helpful as the person had explained, I signed up and they began taking $25 a month out of my checking account automatically and placing it into a savings account. Now, when you initially signed up they charge you administrative fee of $9. I received an email just yesterday (2.7.21) that said in the year that they have been pulling out these $25 payments they have been able to boost my credit score by 83 points, which was in fact true. I have another year to go because I signed up for 24 months, so I’m curious to see if it’ll go up another 83 points. I have already been telling my clients who need a little boost on their credit score to purchase a home all about it. Please know once you begin this it takes about 3 months to see any boost (they did explain this to me so I waited patiently) this takes time, but I feel putting $25 a month in a savings account and in return getting over 80 points on my credit score within a year is a blessing.I didn’t check my credit constantly so I don’t know when I got the boost but I didn’t notice you know after 4,5,6 etc months that my score was going up. I do believe when I read the terms and conditions that it will also take out another small amount at the end, I could be wrong about that I just can’t remember. I do know that it wasn’t enough to deter me from giving Self a try. I do plan to continue my payments for the next year but if you needed to get your money out for an emergency you could take your money out anytime. I don’t remember if there as a charge for this I just remember thinking that is nice to know. If someone pulls up your credit while you’re doing Self, it looks like you have a loan out and that you’re paying it every month. In reality you have a loan out “that’s sitting in an account” and every month Self is taking a small amount out of your account and putting it in a savings account (in a connected account), once you’re saving account amount (the money the Self autodrafted every month from your account) matches the amount of money that they pulled out initially and placed in a savings account (that shows as a loan), the amount that shows up on your credit report, matches up, they pay the loan off with the money they loaned you but never sent you, and they send you the money they they pulled out of your account each month. It really is such a smart way to bring up your credit because you’re not going into debt, your SAVING MONEY! I have a few clients that are already doing it now and I cannot wait to help them shop for a house in 12 or 24 months.For anyone trying to bring up the credit score another little trick I tell my clients,Make any credit card payments you have twice a month instead of once a month. So if you pay $200 a month on a credit card, start paying $100 ever two weeks and get it down to about 30 or 35% and keep it right there. So, if you have a ,1000 limit always keep your balance right around $300. It’s smart to have a lender pull your credit even if your not ready to buy. They have a program that tells them what you need to do to boost your score. Sometimes paying things down or off can hurt, not help your score.I tell my clients its a “let’s see where you’re at and where you need to be” credit pull.It will drop your points five out maybe to three points for that pull,But you will know everything about your credit, where you stand and what you need to do.Just don’t let them tell you you need to get prepaid credit cards because you don’t. My overall score went up over 240 points with Self, and making double payments in my credit cards and keeping each of my card between 30% and 35% usage. I hope this review helps someone. Have a blessed 2021. - Quincy Jeffcoat, SC

I got the self lender app to help me build some type of credit. First thing first they have minimum impact on your score. So the fees and other stuff they charge you for is not worth what your getting. You pretty much giving them money to do absolute nothing. They gave me an offer to use a credit card they have. I’m thinking let’s see if the card has more impact then the savings account. As soon as I got the card it was a $25 fee right off the back for some misc stuff. Remind you my limit was only $100 so I had to pay off the $25 they took before I can even start making mini transactions. Then I made a payment to my account on 12/31 but it was officially taking out my account on 01/05 and I check today 01/07 to see what my balance is now after the payment and it’s still the same amount since 12/31. I tried reaching out to someone to see what the hiccup is with my payment posting on my account. Their is absolutely no way to get in contact with them, no phone, no e-mail, and no chat. When you go to the “contact us” tab they give you generic questions and answers. Even when I click other to see if I’m able to send my question for someone to respond sooner or later the tab leads me to COVID questions. I wouldn’t recommend them to anyone you’re pretty much throwing your money away because they charge you fees left and right. I’m not making another payment for the simple fact I’m not over paying, then my original payment is lost in the sauce. I just don’t know where my payment went and it’s no one for me talk to, and see why it’s not posting on my account.

I’ve had an account at Self for three months. My credit score has yet to change. I’ve paid them $138 to save $95 (they literally rob you a little bit every day). On their mobile website it is impossible to find a phone number for customer service so I had to exchange emails where my question wasn’t answered well at all. That led me to trade emails so finally someone was able to answer my simple question. Their software is idiotic because it lets you choose an autopay draft day that is AFTER your due date(edit: The developer literally confirmed you can move the autopay date past your original due date, the software will then allow the due payment to be skipped(unknowingly) at the same time)...what a huge oversight. This company has been literally nothing but trouble for me so far. Just paying the deposit on a secured credit card would be so much faster, easier, and cheaper. I literally can’t think of one reason why anyone should do this route over any other credit repair.

Edit: Developer says live chat, phone, or email can be accessed under “Get Help” on desktop or mobile. This is false if “mobile” and “application” are interchangeable. On the app there are only FAQs and and email. There is no phone number or live chat option nor is there a “Get help” selection within the app. I haven’t checked for desktop because I do this purely on the app interface. Even if one wanted to file a complaint it would have to be a “secure message”, “email”, or, get this, I can write them a letter...no phone number at all on the app. If it is there it absolutely isn’t in a conspicuous place.

For a few months, everything was fine. However, when I received the credit card, things went downhill fast. After making my 3rd or 4th payment, I checked back to view my balance and it was twice what it was before. Confused, I made another payment to avoid my credit score suffering for high usage and sent Self a message (the only way you can contact them). Not only did they not respond for almost a week, but in the meantime, my payment was not processed AGAIN. They tell me that my bank had insufficient funds, but I knew at the time I made the payment that there was more than enough in my account (I also almost never have my balance lower than a few hundred dollars). By this time, my credit score has taken a nosedive and I’m furious. I make one final payment and message them again, only this time I include screenshots of my bank account balance. I check back after a day or two, and my balance is now OVER my credit limit. I finally get a reply a week later stating that they don’t take your payments until 2-3 business days after you make a payment. What kind of sense does that make? And there was more than enough in my account anyway! So at this point, I’m through. I tell them to cancel my account, and to put the money I paid into the Self account towards the credit card, which was close to the same amount. But guess what? THERE’S A DEPOSIT THAT THEY TAKE OUT OF WHAT YOU PAID INTO THE ACCOUNT. OUT OF $175 I PAID OVER 5 MONTHS, I ONLY GET BACK $45.

These people are crooks and will ruin your credit while making a profit off of your desire to improve your finances, all while gaslighting you and your banking institution. Even as I write this, I’m a heartbeat away from considering contacting the ComplaintsBoard.com or even taking legal action. DO NOT USE THIS FRAUDULENT SERVICE.

WARNING! Please do not use this app. This app will end up screwing you on your credit report. This company is a complete fraud. First of all, what type of financial company doesn’t have live people to talk to over the phone, to help assist you if there’s any problems with your account? Of course a company who frauds their customers, and who would rather hide than face the truth. What type of company represents themselves as helping you with your credit score yet they don’t accurately report accordingly on your credit reports? They lie about the credit score you have which is a joke. I guarantee anyone who checks their FICO score will clearly see that the score is completely different from the “FAKE” score that they claim that you have on their app. When I checked my FICO score it was at 665 vs with them 710. Wow what a huge difference! Very misleading and inaccurate information. On top of that they are claiming I had a high resolving balance on my credit card, yet I always leave my card at a zero balance way before their monthly due dates since I pay by debit card so it posts immediately to the account. They dropped my FICO score 10 points claiming I had a high balance when I didn’t. I contacted them right away when I saw this and showed proof that my closing statement for the month of March clearly showed I had a “ZERO” balance yet they inaccurately reported it. On top of that I contacted their lousy customer service email with the proof, and that they need to correct their mistakes and no one has contacted me back at all! I am reporting them to the ComplaintsBoard.com and as well I am thinking about taking legal action if they do not get this FIXED because it’s fraud and it’s not right to treat good paying customers this way! I had ENOUGH of the games this company plays! Please steer away from this company.