Turn your rent and utility payments into credit history. Self reports rent to all three major bureaus for free, and you can add utility bills for a small monthly fee.
Payment history is the single biggest factor in your credit score — about 35%. Yet rent, one of the largest payments most people make, usually isn't reported. Self changes that: it reports your rent payments to Experian, Equifax, and TransUnion, so the money you already spend helps build your credit.
| Plan | Price | What it reports |
|---|---|---|
| Free Rent Reporting | Free | Rent to all 3 bureaus |
| Bills Reporting | $6.95/mo | Rent (3 bureaus) + utilities (TransUnion) |
| Past Payment Reporting | $49.95 one-time | Up to 2 years of past rent & utilities |
Rent reporting works with Venmo, CashApp, Zelle, debit card, and automatic bank transfers. Not all lenders use scores impacted by rent/utility payments.
Apply for a Self Cash Advance in minutes — no credit check, no hidden fees.
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