Last updated: January 2026 | Reviewed: February 2026
Credit builder service with clearer privacy practices than traditional credit repair. Reports to all three bureaus with standard financial data sharing.
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Grade C
Bottom Line: Self has clearer privacy practices than most credit repair competitors. As a regulated financial product (credit builder loan), they're subject to banking privacy regulations. However, they still share data with credit bureaus, partners, and service providers.
Key Privacy Findings
✓ Clearer Data Practices
As a bank partner product, Self is subject to Gramm-Leach-Bliley Act requirements, providing more transparency than unregulated credit repair services.
✓ Limited Marketing Use
Unlike ad-supported services, Self's business model doesn't rely on selling your data for targeted advertising.
🔎 Credit Bureau Reporting
Payment history reported to Equifax, Experian, and TransUnion. This data becomes part of your permanent credit file.
🔎 Partner Bank Data Sharing
Your data is shared with their partner bank (Lead Bank) which has its own privacy practices and retention policies.
🔎 Service Provider Access
Third-party service providers handle various functions and have access to your personal and financial information.