15 points

Average credit score increase*

Grow your credit for FREE with bills you already pay.

100% FREE

No-cost credit building every month

72 hours

Self’s fastest way to build credit**

Get started

makes up 35% of your credit score.

Your existing monthly payments can build credit. Start adding them to your credit profile.

Source: FICO

Payment History Graph

Payment history

past payments

Add up to 2 years of
with LookBack
Get started

One straight-forward cost of $49.95

Includes rent, cell & utilities2

Bundle up to 24 months of payments

How it works

2

Get started

Find the bill payments you want to build credit with.

1

Securely connect the accounts you use to pay your bills.

Self reports those on-time payments each month to the credit bureaus** for FREE.

3

App Store

250K reviews*

4.9

*As of 9/4/2024

Google Play

80K reviews*

4.5

*As of 9/12/2024

More than 1 million people are building credit with Self. Join them.

The reviews are in.

Payment history makes up 35% of your credit score.

The monthly payments you already make can build your credit. Add them to your credit profile with Self — 100% FREE.

Source: FICO

Payment History Graph

Payment history 
makes up 35% of your credit score.

Start building credit for FREE.

Get the credit you deserve with Rent+Bills Reporting. No credit check or credit card required.
Get startedBACK TO TOP

© Self Financial Inc.

Offer subject to change. Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent/utility payments.

*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.

**Payments may take two weeks or more to appear on your credit report. Cell & utility payments reported to TransUnion. Rent payments reported to TransUnion, Equifax, and Experian.

Raise your credit score like your landlord raises rent.

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

Get credit for paying rent — plus your cell phone and utilities! — 100% FREE.

No credit card or credit check required.

Get credit for these monthly payments, 100% FREE.

Rent

Phone

Electric

Natural Gas

Water