Starting my second month in with SELF... My FICO credit score took a 12 point DIVE, as SELF reports I owe them $500, thus my debit went up. I understand that it takes a few months to report positive payment history, however, be honest to everyone and tell them that their FICO score is going down. My VANTAGE score went up a few points. But that could be due to other payments on accounts I have open. Unsure what financial institution uses VANTAGE, as I've never had a bank talk of it.