I can’t speak for the credit builder loan side, but they’ve gotten a few collections removed my my credit report, and a ton of hard inquiries. I will note that it can take a couple months to process though. I would’ve given it a 5 star but I don’t like that it doesn’t tell you which bureau your collections got removed from.
This app is janky, non sufficient and cheap. They need to watch their choice of words. I’ve never seen any reputable app or business use the word “struggle” to a consumer. That did not sit well with me and I rebuke that in the name of Jesus. This ghetto, lackluster terribly made cheap app had the nerve to say I might “struggle” to make monthly payments due to my bank account activity. They literally used that word. Do you know what that word means? Look it up in the dictionary to see what it actually means before you go loosely using a word like that. That in unprofessional, and ghetto. And the only one struggling is you guys from the looks of this terribly made cheap app that has glitches. Delete my information from this disgusting app and use better choice of words going forward. How dare you say that to someone. I rebuke that and the only one struggling is your poorly made destitute app!
Paid my $9.99 to access the cash advance and still haven’t received it just to let everyone know you have to qualify for it (which I do) not only that but they need to process the request for the cash advance which only happens on business days so if you needed it on Friday latest you’ll receive it is next Tuesday. Not only that but they have a chat feature where you can contact customer service, who takes 2 days to respond, but the chat feature on the app is just a bot who no matter what you say only responds with telling you how to add a bank account literally the only sentence they taught this thing don’t use this app use Dave or MONEYLION or literally anything else that works this one scams you out of ten bucks while Dave and MONEYLION don’t cost and you can advance over $100 with both
I signed up for the yearly service and added the credit loan builder. It was the biggest mistake you can do. They made my credit score drop by 60+ points and have yet to correct the problem. They said the fixed it after reporting negative payments to Transunion for the past two months. Now they have reported that fake credit builder loan as 90 days late. This has been the worst app experience ever. Reporting them to BBB, State Attorney Office as well a Trans Union. Only customer service is through email. Horrible app. Beware. ****Still have not received a call from a Cambio Representative. Cambio still reporting NEGATIVELY to Trans Union. Email stated issue was corrected. It has not been fixed. PLEASE FIX. You are doing serious damage to my credit. I cannot buy or get a good APR due to NEGATIVE reporting.
I’m loving Cambio. I was looking for a booster to my credit and found this app. Waiting on disputes but comparatively I feel like this dispute process breaks it down easier. It allows you to dispute to the bureaus that you have not disputed yet and have them all in one place. I am trying the credit builder loan as well. I hope it yields good progress and I think it will for the price. It is less than credit repair companies for someone who has close to 700 credit it’s a good option I think.
Since I started Cambio which is for about 5 months they were not able to resolve any of my credit issues. I actually had better results going on the credit companies websites and disputing them myself. I decided to cancel Cambio. Then after canceling I get a payment notice from capital 1 saying their payment was changed this morning. I reached out with no response. I went to cancel again and it said my subscription will be canceled in the next couple days. This site has done nothing for my credit except increase my credit card bill. Stay away from Cambio. Just another bot site!!!!
Best app out second to none helps you get your credit together without having to do anything to help you with dispute letters, collection, letters, basically the whole nine without this app I will still be lost trying to get credit repair or get taken for who knows how much money for a $100 dollars they do all the work for you if you ain’t got it, you need to get it ASAP five stars
When I did research on the app it said they provide a credit building loan and since I really needed the money and to build my credit I thought it was perfect. Thing is when you sign up (which takes forever because the app moves sooooo slow) they told me I will get a $300 loan AFTER I pay off the $25 a month for 12 months so it will help me build my credit. I hate that I wasted like 30-45 minutes signing up for this app to have find out I have to basically pay back a loan before I even get it. Deleted the app quick smh.
I had one issue with depositing money but their support staff helped me out in less than a day. Now I’m saving like $50 a month since I don’t have to use check cashiers anymore. I set up direct deposit and earned a $20 bonus. The rewards are nice too. I just do what it tells me to and i make money and build my credit at the same time. Super happy with the platform.
Cambio is a great app to have if you’re looking to raise your credit score. They offer a credit building program for only 5$. Set what you want your score to be and they will help you get it there. I wish you could dispute more items though but it’s cool. I’ve raised my scores well over 10–15 points and have only had the app two months.
I just recently started using cambio money and they helped get me on the fast track to rebuild my credit score. Their easy to navigate interface and affordable costs made the process enjoyable. I highly recommend Cambio to anyone that is looking for a 2nd chance to achieve your goals that once seemed unattainable.
The App is completely on whole new level when it comes to fixing credit the app has automated functionality and also preps you for your own tasks such as DIY projects for sending paperwork and letters some features are beyond few people but each benefit this app gives is just remarkable.
Cambio found late payments that I didn’t know about from other apps like Credit Karma didn’t tell me about. They even give you ways to help get them deleted from the 3 major credit reporting companies. Awesome app! Would recommend to anyone who has any issues with their credit reports.
Setting up my account was really easy. I was able to connect my online bills and even got a $20 bonus for setting up direct deposit. I never really understood my credit score but the cambio score is helping me rebuild my credit in a way that actually makes sense.
Money mistakes are costly so Cambio just makes good sense! I’ve bought the financial educational books, I have all the trend money management folders. The crazy money ziplock bags, all that… This is not that! It’s so worth it to pick your credit back up! Take the chance. Do the work. Good luck
This company has reported to three credit bureaus that I have been late 60 days. I have made all my payments on time for four months and has affected my credit and allowing me to open credit due to the false reporting please do not open this account. Wait till they figure it out how to report to the credit bureau. They use a third-party reporting company which is getting false information from the company itself. Again hi say do not open this account till it has been fixed!
I just started with Cambio and all the information that they have for me is amazing 🙏 I’m working on getting my credit score up and they are definitely helping me see exactly what I need to do in order for that to happen 👍
This app has helped me discover so many hidden items on my credit report that I did not know were hurting my credit score. Have been using the app for a few days but so far so good. Keep up the good work!
Have recently started to use this app and it has been very easy to use. Also has been good to see what’s going on with my credit which is something I haven’t been keeping up with before
Horrible App with even worse customer service. Tried signing up and it keep telling me I failed verification. Name is correct, address is correct, DOB is correct, social is correct and phone number is correct. The message they give is “re-enter your information, customer service doesn’t have any information why you failed.” I wouldn’t give them any information at this point, makes me wonder if it’s just a scam app to collect people’s information.
I have had this service for a month or so and have yet to see it report on my credit report but I’m hoping it reports this month. Seems pretty cool so far other than that reporting issue.
Great job with the app, it’s been a very informational journey with Cambio, now I can go on and help others in my life with understanding what’s needing to be done with their own credit score in order to achieve greatness in their credit building journey.
I liked how it took me through all of my negative accounts. i was able to send a dispute in just a few minutes. Way more affordable than credit repair!
I love the interface, it’s simple and not too complicated. It’s straight to the point, when it comes to getting what you need to be done. I would say it’s a pretty good app to help you out on credit, with some good tools.
Since I started using Cambio I feel better about getting my credit accurate and improved. What are you waiting for??? Get on board with Cambio, you won’t regret it.
I honestly think this is one of the best credit building apps, low price, helps tou fix bad credit and shows you how to raise your credit and you can set your goal credit!
I like Cambio I like that they try to help you build up your credit easy with an app however the only thing I could say is I wish they offered a credit builder account for my state. Thank You. Felicia Thomas
Getting started was quick and painless. The steps were explanatory with no hassle! I was able to remove a negative item on my report and increased my score by 56 points! 10/10
I’ve been looking for a simple way to monitor my credit score. Cambio let me know of a negative account that started hurting my credit score and fixed it for me. This app saved my credit!
I can’t give an accurate review because nothings happened yet. I’m not sure why it’s been at least close to 45 days but I will say the process was easy to get started and you’re able to keep track of progress from the app now I’m just waiting to see what happens.
Overall I’m amazed at how fast this and accurate this app is. It gives factual information that’s beneficial for you to understand the transition of how your results can improve
I just joined to help dispute credit cards opened due to identity theft and no one has been able to help me not even expensive credit repair companies. So fingers crossed they can help
I am using cambio service and I realized that I found them too late. They know what they doing and gives you everything you need to live the best of life. I highly recommend CAMBIO
Avoid this app. Nothing but error messages for days. Finally tried to reach out to support. They were no help. My information is correct yet errors keep popping up after entering it all. It asks to contact support for resolution. They have no resolution. Advise to try again in 24 hours. Yet I already explained I’ve tried on multiple days over the last two weeks.
This app has been very helpful on gauging my score as well as offering ways to rebuild my credit. As a plus, it’s much more affordable than other credit repair services!
Was able to have the app help me while I spoke to the collector, it told me What to say. Haven’t seen that before. They said they would remove if I paid off the amount we negotiated
I never going to recommended this app …. I start to pay for this app $39.9 and in the beginning I recieve text that they can’t verify myself and I should return within 24 hours , today 3th day and I still can’t get any update about my credit or verification . I try to contact customer service and also for this 3 days I never receive answer back
So I joined this amazing company to help With my credit and man that are so amazing in helping and explaining what I need to do and they they will do the work I did NOT have a problem paying that fee to fee lol.
Your financial fresh start. Improve your score fast with a credit expert in your pocket. FIX BAD CREDIT Cambio's AI-Powered Credit Improvement makes fixing your credit easier than ever. Instantly see your credit score and analyze your credit for FREE. Use AI to identify exactly what's hurting you and how to fix it. Auto-dispute items like hard inquiries, late payments, collection accounts and more. Negotiate, pay off and remove your accurate charge-offs and collections like a pro with our Smart Negotiation Assistant. Let Cambio do the hard work and watch your credit score improve!* BUILD GOOD CREDIT AND GROW SAVINGS 0% interest credit builder loan helps you build on-time payment history and your savings at the same time! Each $5 monthly savings contribution improves your on-time payment history!* PRIVACY PROTECTION: Over 15 million Americans have their identity stolen each year. Remove your personal info from the web to protect your credit score from possible damage! Receive up to $1 million in asset protection in the event you identity is stolen. Sleep easier at night while Cambio monitors the dark web and thousands of other databases for threats against your identity. Services include: • Unlimited disputes to all 3 credit bureaus • Negotiation assistance to resolve accurate collections and charge-offs • AI-Powered Credit and Spending Assistants • Hard inquiry and late payment targeting • Ongoing Credit Analysis • Credit builder loan and savings • Personalized credit guidance • No hard inquiries • No card or deposit necessary Download the app today to get your FREE credit analysis! Cambio is a mobile app that makes it easy to rebuild your credit quickly. Improve Your Credit Rating and Get Back On Track Today! *Results are not guaranteed and may vary. **Member must live in an elligible state. For the full list visit https://www.cambiomoney.com/support/.
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