Grow Credit

Name: Grow Credit
Rating: 4.8 (10048 reviews)
Author: Grow Credit

Pay Phone Bills & Build Credit

Only for iPhone

Free

10K Ratings
Ages

4+
Years
Category

Finance
Developer

Grow Credit
Language

EN
English
Size

85.4
MB

iPhone

With over 700,000 downloads, Grow Credit, featured on the 2022 Forbes Fintech 50 and recognized as one of America's most innovative companies, helps consumers build credit for free using their subscriptions, with no prior credit history required. As featured in the App Store “Hot This Week” section. Your credit score is different on Experian, Equifax, and TransUnion. Having a strong score on all three matters as mortgage lenders, car dealers, and credit card companies often review more than one to determine a consumer's creditworthiness. Grow helps you boost your credit score quickly on all three. Grow your credit with your subscriptions in three easy steps: - Apply for your Grow MasterCard. - Link your bank account. - Add your subscriptions: Netflix, Disney+, Hulu, Spotify, HBO Max, or over 100 others. Your subscriptions will be billed to your Grow MasterCard, and we’ll automatically debit your bank account every month and report your progress to all three credit bureaus. A better credit score means lower interest rates on future loans, which could save you tens or even hundreds of thousands of dollars. Applying for Grow will not result in a hard credit pull and will not affect your credit score. We recommend using Grow alongside Rocket Money and Credit Karma. The press raves about Grow: Techcrunch.com: Grow "is a pretty elegant way to solve a problem that’s a real barrier to entry for a large number of financial services. Credit scores can impact mortgages, the ability to receive small business loans, and a host of other services that are ways to boost economic opportunity." Creditcards.com: Grow is "a very useful tool for climbing the ladder and eventually qualifying for a better card." Nerdwallet.com: "The Grow Credit Mastercard is ideal for those with no credit or poor credit." Grow offers 4 plans: * Build Free - Reports a $204 credit line to Equifax, Experian, and TransUnion - $17 monthly spending limit - Option to upgrade to a Grow membership after 6 months of consecutive on-time payments - Cost: Free * Build Secured - Reports a $204 credit line to Equifax, Experian, and TransUnion - $17 monthly spending limit - Option to upgrade to a Grow membership after 6 months of consecutive on-time payments - $17 security deposit required - refundable after 12 consecutive on-time payments - Cost: $2.99 per month * Grow - Reports a $600 credit line to Equifax, Experian, and TransUnion - $50 monthly spending limit - Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint) - Cost: $4.99 per month * Accelerate - Reports an $1,800 credit line to Equifax, Experian, and TransUnion - $150 monthly spending limit - Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint) - Cost: $9.99 per month Additional Features: - Plan duration: 12 months - renewable. - Free FICO Score - Free credit education blogs and tutorials. We look forward to assisting you in your credit-building journey! Bank-Level Security: • Your data is protected with 256-bit encryption bank-level security and is never stored on your devices. This app is operated by Grow Credit, Inc. Questions or suggestions can be directed to behappy@growcredit.com.

Ratings & Reviews

4.8

out of 5

10K Ratings

Nice service to have!
Jan 25

itsjustjosh
I actually really enjoy using Grow credit. It has definitely improved my credit score over time! One of the biggest advantages is that it’s a place where you can charge ALL of your monthly subscriptions, so that you only have to pay this bill once per month. I’ve tried doing this before with another credit card, but I always end up using the credit card for other things and don’t leave enough room for my subscriptions. Grow credit only lets you charge your monthly subscriptions, not your morning coffee or that new tech toy you’ve wanted to buy. They really help me with the discipline to use the account for only what it is intended for. I started with Grow Credit at the lowest credit level and they have increased my limit several times up to their maximum available. I started with a credit score of below 500 and am now at almost 650. Their customer service is readily available, super friendly and will help you if you ever need support. They definitely have earned 5 stars and I’m grateful to do business with them!

Developer Response
Thank you for your detailed review! We truly appreciate having you as a valued member and look forward to continuing to serve you. If you have any questions or feedback, feel free to reach out to us at behappy@growcredit.com. 💙
Nice service to have!
Jan 25

itsjustjosh

I actually really enjoy using Grow credit. It has definitely improved my credit score over time! One of the biggest advantages is that it’s a place where you can charge ALL of your monthly subscriptions, so that you only have to pay this bill once per month. I’ve tried doing this before with another credit card, but I always end up using the credit card for other things and don’t leave enough room for my subscriptions. Grow credit only lets you charge your monthly subscriptions, not your morning coffee or that new tech toy you’ve wanted to buy. They really help me with the discipline to use the account for only what it is intended for. I started with Grow Credit at the lowest credit level and they have increased my limit several times up to their maximum available. I started with a credit score of below 500 and am now at almost 650. Their customer service is readily available, super friendly and will help you if you ever need support. They definitely have earned 5 stars and I’m grateful to do business with them!
Developer Response Jan 30
Thank you for your detailed review! We truly appreciate having you as a valued member and look forward to continuing to serve you. If you have any questions or feedback, feel free to reach out to us at behappy@growcredit.com. 💙
Stroke of Genius!
11/01/2020

TristanCajar
Great response time, and a really good understanding of my questions. Repairing one’s credit is like regaining one’s health, with the help of a skilled practitioner, one gets better. This program feels like it will help me get better with my FICO score. Just knowing about background reporting has made me more confident that my arsenal of credit building tools is having a real impact. The system in place to pay monthly subscriptions using the Grow Credit credit card ensures a smooth payment process which in turn becomes reported on time payments. Easy to set up and having a well designed interface, iPhone in my case, makes this a no brainer considering how little needs to be done with Grow Credit to raise one’s credit- points in the Fair Issac Corporation’s credit report translate into $$$ savings in Interest rates when applying for loans, credit cards an other credit products. In short, better credit score=lower total cost of loan due to lower interest rates. A superlative product for the price paid!

Developer Response
Thank you for the kind review. Our entire team is looking forward to keep supporting you with all your credit building needs. If you have any additional needs, including new subscription wishes, please let us know at Behappy@growcredit.com or at www.GrowCredit.com, and we will make sure to add them to the app.Also, Grow users can use referral codes with friends to both receive a $5 credit line increase. Since a higher credit balance is associated with a higher credit score, Grow users are helping their friends while simultaneously boosting their credit scores. A complete win-win! 🙌😊
Stroke of Genius!
11/01/2020

TristanCajar

Great response time, and a really good understanding of my questions. Repairing one’s credit is like regaining one’s health, with the help of a skilled practitioner, one gets better. This program feels like it will help me get better with my FICO score. Just knowing about background reporting has made me more confident that my arsenal of credit building tools is having a real impact. The system in place to pay monthly subscriptions using the Grow Credit credit card ensures a smooth payment process which in turn becomes reported on time payments. Easy to set up and having a well designed interface, iPhone in my case, makes this a no brainer considering how little needs to be done with Grow Credit to raise one’s credit- points in the Fair Issac Corporation’s credit report translate into $$$ savings in Interest rates when applying for loans, credit cards an other credit products. In short, better credit score=lower total cost of loan due to lower interest rates. A superlative product for the price paid!
Developer Response 02/06/2022
Thank you for the kind review. Our entire team is looking forward to keep supporting you with all your credit building needs. If you have any additional needs, including new subscription wishes, please let us know at Behappy@growcredit.com or at www.GrowCredit.com, and we will make sure to add them to the app.Also, Grow users can use referral codes with friends to both receive a $5 credit line increase. Since a higher credit balance is associated with a higher credit score, Grow users are helping their friends while simultaneously boosting their credit scores. A complete win-win! 🙌😊
Scam BEWARe
05/07/2022

READ CLOSELY
My fiancee and I are truck drivers so we have well over $10 in our bank accounts at all times. The few is (9.99). Yet, they are trying to claim even with bank statements that her payment failed. Both of us have been trying to get in contact with them and they are unresponsive. The only way to contact them IS THROUGH CHAT. BEWARE. My fiancee has no subscriptions coming out of the account so she wants to close the account seeing as they are trying to ruin her credit by making it impossible to make a payment. They are doing so by not allowing the “make a payment” button to be active on the website or app. It's as if they are trying to set her up to fail and we have screen recordings of all of this as well as there unresponsiveness and inability to solve a simple question with an answer. They immediately redirected her instead of answering her questions. I'm soon to close my account as well. NOW I have to reach out to several family members and tell tyem the app I referred isnt everything I hoped to be. Because if they are being this way with her when the ERROR is on them, I would hate to see what they do when they mess up my account or theirs. I don't have time to babysit this, when I came to grow to help not harm my credit score.

Developer Response
Grow Credit is not a scam; we are a bank-regulated financial inclusion platform with tens of thousands of users perfectly satisfied with our program, particularly thanks to our Build Membership, which is effective and completely free of charge. Our free plan boosts credit by an average of 51pts within a year with consumers experiencing a boost of 100pts+ within the first 3 months. Our customer support team can be reached at Behappy@growcredit.com, and our phone number is (888) 244-5886, and is listed on our website; all users can reach out to us if they have any issues, and our customer support team is very quick to respond often within 3 minutes. If you are experiencing any trouble, please email us or call us, and we will promptly help you resolve the matter. Thank you.
Scam BEWARe
05/07/2022

READ CLOSELY

My fiancee and I are truck drivers so we have well over $10 in our bank accounts at all times. The few is (9.99). Yet, they are trying to claim even with bank statements that her payment failed. Both of us have been trying to get in contact with them and they are unresponsive. The only way to contact them IS THROUGH CHAT. BEWARE. My fiancee has no subscriptions coming out of the account so she wants to close the account seeing as they are trying to ruin her credit by making it impossible to make a payment. They are doing so by not allowing the “make a payment” button to be active on the website or app. It's as if they are trying to set her up to fail and we have screen recordings of all of this as well as there unresponsiveness and inability to solve a simple question with an answer. They immediately redirected her instead of answering her questions. I'm soon to close my account as well. NOW I have to reach out to several family members and tell tyem the app I referred isnt everything I hoped to be. Because if they are being this way with her when the ERROR is on them, I would hate to see what they do when they mess up my account or theirs. I don't have time to babysit this, when I came to grow to help not harm my credit score.
Developer Response 05/09/2022
Grow Credit is not a scam; we are a bank-regulated financial inclusion platform with tens of thousands of users perfectly satisfied with our program, particularly thanks to our Build Membership, which is effective and completely free of charge. Our free plan boosts credit by an average of 51pts within a year with consumers experiencing a boost of 100pts+ within the first 3 months. Our customer support team can be reached at Behappy@growcredit.com, and our phone number is (888) 244-5886, and is listed on our website; all users can reach out to us if they have any issues, and our customer support team is very quick to respond often within 3 minutes. If you are experiencing any trouble, please email us or call us, and we will promptly help you resolve the matter. Thank you.
A great app that I never knew existed!!
09/23/2023

Carolena23
I love this app I downloaded it not knowing exactly what was entailed, I tried my first bill with my cell phone. I had missed my payment that month by a couple days and my service was suspended for the next coming month. So I went into this app downloaded my cell phone carrier company and the payment went through by the end of the day I was very happy and pleased, I was even more ecstatic to find out that by using this service I could also raise my Fico score while making my payments on time and not having to worry about how I’m going to pay my bills next month or is my check going to be big enough to cover all my bills next month? Thanks to Grow Credit I no longer have to worry about if my next check is going to be enough! I’m very happy with this app. And plan on recommending to my family and friends if they need help raising their credit scores or just needing that extra boost for the next month.

Developer Response
Thank you so much for the review, we're glad our service can help people pay their bills and grow their credit! Keep up the good work with your on-time payments to boost your score performance. We also have some exclusive subscription discounts on the way. 🙌❤️
A great app that I never knew existed!!
09/23/2023

Carolena23

I love this app I downloaded it not knowing exactly what was entailed, I tried my first bill with my cell phone. I had missed my payment that month by a couple days and my service was suspended for the next coming month. So I went into this app downloaded my cell phone carrier company and the payment went through by the end of the day I was very happy and pleased, I was even more ecstatic to find out that by using this service I could also raise my Fico score while making my payments on time and not having to worry about how I’m going to pay my bills next month or is my check going to be big enough to cover all my bills next month? Thanks to Grow Credit I no longer have to worry about if my next check is going to be enough! I’m very happy with this app. And plan on recommending to my family and friends if they need help raising their credit scores or just needing that extra boost for the next month.
Developer Response 09/26/2023
Thank you so much for the review, we're glad our service can help people pay their bills and grow their credit! Keep up the good work with your on-time payments to boost your score performance. We also have some exclusive subscription discounts on the way. 🙌❤️

minor improvements

Version 9.0.3

Dec 1

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Contacts
- Identifiers
- Usage Data
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Identifiers
- Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

Information

Seller
Size
Category
Compatibility
Languages
Age Rating
Copyright

Developer Website

Privacy Policy

Featured In

FROM THE EDITORS

Celebrate Black Developers

You Might Also Like

Kovo - Build Credit Fast

Build Credit Scores: 4 Bureaus
Arro: Build & Grow Credit

Cash Back Credit Builder Card
Lexington Law - Credit Repair

Credit Repair, Score & Reports
Petal Card

The Future of Credit
Firstcard: Credit Builder Card

Earn cashback and high APY
X1 Card

Smart Credit Card
TomoBoost

Manage & Build Your Credit
cred.ai

you’re better than your bank™
LendingTree Spring

Loans, credit score and more
WalletHub: Credit & Budgeting

Improve Credit, Budget & Save

Grow Credit

Pay Phone Bills & Build Credit

Ratings & Reviews

What’s New

Version 9.0.3

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

Information

Featured In

You Might Also Like