TLDR; NOT GOOD. Signing up for Self made my score drop 35 points, so my Self account needs to make up for that 35 points before it starts to have a positive impact on my credit. Conclusion: There are much more affordable ways to repair your credit that will have a more positive impact on your credit. Self is just another banking institution. The developer will respond shortly with some fake canned reply about how new accounts can cause your credit score to drop. Do not believe their lies