“Not good — This is probably the worst credit building app out there. The money you “save” is eaten up by their fees, the app takes days to register a purchase and even longer to process a payment/update balances. And you can’t cancel…”
Independent automated assessment · 3 signal sources · 952 reviews scanned · analyzed 2026-10-05.
4.8 ★436,298 ratings
5M+Downloads
4+Age rating
118 MBApp size
FreeIn-app purchases
About this app
Build credit and grow savings or use the secured Self Visa® Credit Card to build credit. Starting fresh or needing a credit builder? Self can help you create better financial habits and put you in control of your finances. All credit scores are welcome.
THE SECURED CARD WITH NO CREDIT CHECK - Add the secured Self Visa® Credit Card* to your toolkit - No credit check required - High approval rates - Control your credit limit - Build credit with all 3 credit bureaus - Use everywhere Visa is accepted in the US
BUILD CREDIT & SAVINGS TOGETHER - Sign up for a Credit Builder Account¶, and lift your credit score by 47 points, on average‡ - Plans start at $25/mo.§ - Unlock your savings at the end, minus interest and fees - No credit score req. - No credit check…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
App Store
This analysis describes version 12.0.0 of the app, analyzed 2026-10-05 . The app may have changed since.
The store currently lists version 12.0.0, updated 2026-09-14.
Google Play
This analysis describes version 13.0.0 of the app, analyzed 2026-10-04 . The app may have changed since.
The store currently lists version 13.0.0, updated 2026-09-18.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to fewer than 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Says how to cancel
Themes reported by reviewers
1 theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
90% or more five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
Positive evidence 1
Things this app does right, published at the same strengths as the catch list.
Developer says data deletion can be requested
The developer's data-safety disclosure on the store states that users can request deletion of their data, or the app's own text offers a way to delete the account. This restates what the developer declares; it is not a test of whether deletion works. Apple publishes no equivalent disclosure, so on an Apple-only listing only the app's own text can support it.
What we saw: The developer's store data-safety disclosure states that data deletion can be requested; we have not seen a deletion control in the app's own text
One source only — shown, not confirmed 1
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Hard to cancel
Cancelling the subscription is blocked, hidden, multi-step, or simply does not take effect.
What we saw: Hard to cancel: raised by 5 distinct reviewers (1.0% of 518 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“SCAM — Cannot cancel subscription when I try to call the phone is always busy 10 days now this app is BS takes your money leaves you with a score worse than before a person starts no way to contact anyone so contacting the state”
“Scam — Im not even subscribed but every month they are charging me. I cant even delete my account i cant cancel subscription. Help me out”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 12.0.0.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.