Why does my credit monitoring app show different information about my credit than my Self app?

Free credit monitoring and credit score apps, such as Credit Karma and CreditWise, are not an official representation of your credit score, payments to your accounts, open and closed accounts, or account balances, and are often inaccurate. 

While these apps are a great way to keep an eye on your overall credit health, they shouldn’t be relied upon to give you precise information regarding your credit history.

The information in your app isn’t your credit report, which can only be obtained through the three credit bureaus (Equifax, Experian, and TransUnion). Visit www.annualcreditreport.com to get your official credit report directly from the credit bureaus themselves.

Self compiles reports at the end of each month and submits them to the credit bureaus at the beginning of the following month.

For example, your credit report for March is compiled at the end of March, and submitted to the bureaus in the first week of April. The credit bureaus then decide when to process and post the report, but it usually appears mid-late in the month when they receive the report.

Note: Payments made to your Credit Builder Account typically begin to show up on your credit report 30 - 60 days after your account is opened.

For more on how credit reporting works at Self, read this FAQ.

Check out our short video on credit usage and reporting with our in-house experts: https://youtu.be/lFLdbwJ145M

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