Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Self

self.inc

Personal, auto and student lendingLending and credit

Money20/20 attendee

Statement period
October 9 and 10, 2026
when the AI assistants were asked
Account no.
1,246 of 2,219
its rank by overall score
Place in its category
35th of 62 consumer lenders
Closing balance

Named in

2of 60 answers

by 2 of 4 assistants

Statement note

What this means for Self

AI assistants rarely name this consumer lender: just 2 of 60 answers include it. Others like Kikoff and Chime Credit Builder are also named. The overall score is 27 out of 100, ranking it 1,246th of 2,219, which is below the typical company in its sector. Its website passes 2 out of 14 technical checks for readiness for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Self by name. AI assistants named it in 2 of the 60 answers. Counting only how often it is named, it ranks 42nd of 93 in its sector. The typical lending and credit company is named in 3.3% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
27Overall score
  • Visibility5
  • Citations1
  • Sentiment50
  • Site quality80
  • AI readiness14
Summary of account
Named by AI in
3.3%
2 of 60 answers
Share of mentions
9.5%
of the mentions of it and its 5 peers
AI readiness
2/14
technical checks passed. Typical for its sector: 4
Rank in its sector
60 of 93
by overall score, where the typical lending and credit company scores 31

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Line itemsSection 01

Every question, and where the company came up

Self came up on 2 of 15 questions. Open any window to read that answer.

  1. 01Are there free ways to report payments to credit bureaus beyond traditional loans or cards?1/4
  2. 02What should I do if my secured card payments aren’t showing up on my credit report?0/4
  3. 03Credit builder loan vs secured credit card—what’s better for raising your score?0/4
  4. 04Why isn’t my score improving even after making on-time payments with a credit builder loan?0/4
  5. 05How can someone with bad credit use a credit-building tool to prepare for a future loan application?0/4
  6. 06What is the average cost per month for credit-building financial tools in the US?1/4
  7. 07Are there any credit-building accounts with no upfront deposit required?0/4
  8. 08What are some alternatives to using a credit builder loan for repairing your credit?0/4
  9. 09How can I use a secured credit card to improve my credit score?0/4
  10. 10Other than secured cards, what options can help establish credit for the first time?0/4
  11. 11Do credit-building loans really help increase your credit score fast?0/4
  12. 12Is opening a credit builder account worth it if I want to boost my score quickly?0/4
  13. 13Can you use credit builder services to start saving money while building credit?0/4
  14. 14How do rent reporting services compare to traditional credit-building tools?0/4
  15. 15What are the best ways to build credit if I have no credit history?0/4
Total namedOpenAI: 1/15Claude: 0/15Perplexity: 0/15Gemini: 1/15All assistants: 2/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Gemini actually said

An answer that names the company

Gemininamed the company

“Are there free ways to report payments to credit bureaus beyond traditional loans or cards?”

While you can't directly report payments to credit bureaus yourself, several free services allow you to report "alternative data" like rent and utility payments, which can help build your credit history. This can be especially beneficial if you have a "thin" credit file (limited credit history).

Here are some free options for reporting payments beyond traditional loans or cards:

1. Rent Payments:

Self: Self is often cited as a top free rent reporting service. It allows you to report your rent payments to all three major credit bureaus (Experian, Equifax, and TransUnion). You conn …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    Kikoff
    3
  2. 02
    Grow Credit
    2
  3. 03
    Chime Credit Builder
    2
  4. 04
    CreditStrong
    1

Share of mentions

CompanyShare
  1. Kikoff
    28.6%
  2. CreditStrong
    19.0%
  3. Chime Credit Builder
    19.0%
  4. Grow Credit
    19.0%
  5. Self
    9.5%
  6. MoneyLion Credit Builder Plus
    4.8%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    experian.com
    26
  2. 02
    moneylion.com
    13
  3. 03
    bankrate.com
    12
  4. 04
    consumerfinance.gov
    12
  5. 05
    nerdwallet.com
    11
  6. 06
    firstcard.app
    7
  7. 07
    creditstrong.com
    6
  8. 08
    creditkarma.com
    5
  9. 09
    blog.kikoff.com
    5
  10. 10
    thecreditpeople.com
    5

Self is in the study as a consumer lender.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
1/15
OpenAI
1/15
Claude
0/15
Perplexity
0/15
Market comparisonSection 06

How Self compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
5

How often AI assistants name the company, and how that compares with its peers

Citations
1

How often AI uses the company's own website as a source

Sentiment
50

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
14

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with lending and credit companies

93 companies in this sector. The gold tick on each bar is the typical company.

Overall score
27
Ranks 60 of 93. Typical company: 31
Named in answers
3.3%
Ranks 42 of 93. Typical company: 3.3%
AI readiness
14
Ranks 76 of 93. Typical company: 29
Against its categorySection 08

Compared with consumer lenders

62 companies in this category. The gold tick on each bar is the typical company.

Overall score
27
Ranks 35 of 62. Typical company: 28
Named in answers
3.3%
Ranks 21 of 62. Typical company: 1.7%
AI readiness
14
Ranks 51 of 62. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Self publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 25 of 100 · 97% of checks could run · checked on October 9, 2026 · www.self.inc · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

2 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • Not metXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotallowed
  • ClaudeBotallowed
  • Anthropic-AIallowed
  • Google-Extendedallowed
  • Applebot-Extendedallowed
  • Meta-ExternalAgentallowed
  • FacebookBotallowed
  • Bytespiderallowed
  • CCBotallowed
  • Diffbotallowed
  • Omgilibotallowed

AI search

  • OAI-SearchBotallowed
  • Claude-SearchBotallowed
  • PerplexityBotallowed
  • Applebotallowed
  • Amazonbotallowed
  • YouBotallowed

Answering questions

  • ChatGPT-Userallowed
  • Claude-Userallowed
  • Perplexity-Userallowed
  • DuckAssistBotallowed
  • MistralAI-Userallowed

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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End of statement
All 2,219 companiesHow we measured this
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