Self-credit builder is fraud. I was with them for 6 years and paid my bills on time and my credit score never grew with them. I took a secure credit card with self, and the customer service representative almost asked me to pay off the $500 when I asked to close down my account. I had to remind her that this was a secure card and I had used my own money to open the line. They do not protect your card, my card had multiple charges from one merchant in one single day. Self allowed these unauthorized charges to go on every month, and when I asked them about it. I was told that there was nothing they could. I don't recommend self financial.