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Self Financial Inc. 901 E 6th St. STE 400, Austin, TX 78702.
Customer Service: 1-877-883-0999. 7am-6pm CT, Monday-Friday, or via chat 8am-5pm CT, Saturday
1. Payments may take two weeks or more to appear on your credit report.
2. The rental tradeline is reported to all three credit bureaus (Experian, Transunion, and Equifax) while utility tradelines are only reported to TransUnion.
3. Positive identity verification required
** Based on a 2023 TransUnion study customers saw a VantageScore® increase of 15 points on average. Results vary. You may not receive an improved credit score. Not all lenders, including auto and mortgage lenders, use scores impacted by rent/utility payments. Not all bill payments may be eligible. Other factors, including activity with other creditors, may impact results.
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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. Learn more.**
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
248K+ reviews
4.9
Google Play
79K+ reviews
4.6
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 72 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 72 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 score3
Report your bills (cell phone, water, electricity, gas)2
Credit monitoring (Notifications of credit report changes)3
Identity Theft Insurance ($1M coverage)3
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