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Self Financial, Inc. PO Box 11 Southlake, TX 76092-9998
Customer Service: 1-877-883-0999. 7am-6pm CT, Monday-Friday, or via chat 8am-5pm CT, Saturday
1. Payments typically reported in 25-36 hours and may take two weeks or more to appear on your credit report.
2. Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion.
**According to a 2025 TransUnion study, Self users who reported at least 6 months of consecutive rent and/or utility payments saw an average 25-point VantageScore increase. Self users in this study, on average, started with a 592 Vantage score. Individual results vary. You may not receive an improved credit score. Other factors, including activity with other creditors, may impact results.
Self has been featured in:
Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent/utility payments.**
How to start building credit
with FREE rent reporting
Securely connect to the bank account you use for rent payments
Find the rent payments you want to build credit with
We’ll report those rent payments for you each month to all 3 credit bureaus for FREE
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App Store
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4.9
Google Play
90.9K+ reviews
4.5
The reviews are in.
More than 1 million people are building credit with Self. Join them.
makes up 35% of your credit score.
Source: FICO
Payment history
past payments
One straight-forward cost of $49.95
Includes rent, cell & utilities2
Bundle up to 24 months of payments
Start building credit today.
Get rent reporting for free. Payments typically report to credit bureaus within 36 hours.1
makes up 35% of your credit score.
Source: FICO
Payment history
Add up to 2 years
Level up
with more payments
Add cell phone and utility payments to your TransUnion credit report for $6.95 per month
Get credit for up to 5 payments each month
Payments reported to TransUnion typically in up to 36 hours1
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Compare plans
Self offers two options to help you start building your credit.
Report your rent payments
Track your credit score
Report your bills (cell phone, water, electricity, gas)2
Free
$6.95 per
month
past payments
Bundle up to 24 months of payments
One straight-forward cost of $49.95
Includes rent, cell & utilities2
* Active subscription and eligibility required
*
Get credit for your biggest monthly expense – your rent – 100% free.
No credit card or credit check required
Customer support:
1 (877) 883-0999