How to Build Credit From Scratch With Self

Starting with no credit history

If you are trying to build credit from scratch, the catch is familiar: lenders want to see credit history before they will give you credit. Self was built to break that loop, so you can start building a score even with no credit history and no minimum score to begin.

A simple order to build credit

• Open a Credit Builder Account and make small on-time payments that report to all three bureaus
• Add the secured Self Visa Card to build a positive card history with a low deposit
• Turn on rent and bill reporting so payments you already make start counting
• Keep everything on time — payment history is the biggest factor in your score

Where Self Cash fits

A Self Cash Advance itself does not build credit, but it can keep a small emergency from turning into a missed payment somewhere else — which protects the credit you are working to build.