Self hasn't reported my activity to the credit bureaus for 2 months and my payments have always been early&iv also made extra payments.. As of today 3/27/22 my review of self is very poor&I wish I wouldn't have even started my account with them..wasted money given they do NOT DO AS THEY ADVERTISE!! It's also having a negative effect on my credit scores!!! DO NOT USE SELF>> they do not stay ontop of reporting to the credit bureaus.