I’m building credit with gauss for 4 months now. My score is up 27 points, from a quite low base, but still cool. I hope I can get another 30 points in 3-4 months, and will also try get the card refi from them. I’ve added their credit report tracker (it's an add-on) - there’s a chat bot that tells me what’s happening on my credit report in details and some actions I can take to improve what they say is important for credit approvals, it's much more nuanced than standard report alerts. I'm also using their budgeting, it’s convenient to have it all in one place, there’s no extra charge. They show you a payoff plan for cards, meaning how much to pay to what card to pay off faster, within my budget (they also recommend based on budgets and how I spend, can talk to AI to see opportunities to save), they show how balance should change over time in charts and how I actually pay it off, that’s helpful to stay on track. Together with budgeting I feel like I have more control over cards (you can also see how much interest you pay on cards, limits, etc.). They promise to add other types of loans, actually looking forward to it. Overall I feel like I’m getting a lot of value from the subscription, it’s like they give you 3-4 services at the price of one. The quality of the services is good, with some features I've never seen anywhere else. When something’s not working support is very reponsive and not formal, they really look into what you ask. Good job, and looking forward to new features. I rarely write reviews, but these guys should be supported, cause it’s not often to see genuine products for finance, less so for dealing with debt

First, let me say this, everyone has their own opinion. Now, I signed up at the end of July (July 30) and already my credit went from 605 to 623. Didn’t take long at all. This is not a line of credit that you can use to buy things, it is only used to build credit. Just a heads up for anyone wanting to try it, it is not a cash advance or actual loan that will be sent to your account! But, it works! It’s been YEARS since my score has been this high because I keep messing it over. Every time it gets close to 600, I lower it by applying for things that decrease it because I know I won’t be approved but want to try anyways. Give it a try. My subscription is less than $10 a month. And to make it better, they have 2+ trade lines, I have 2 of them and only paying $7.98 total per month. They have add-ons for extra fees and an extra credit boost, but still, only do what you can afford!

I got 16% APR and I’m really happy. Also got a pretty large limit, moved most of my 25% APR balance to them. Will save me a ton on interest, also same payment I normally do will cover much more balance now. Rates are high everywhere now, but these guys deliver. I don’t know how they do it, but I hope they stick around. Onboarding wasn’t hard, my payroll account qualified and I got the offer in real time. Needed to add card details to send money out to cards, that took me a bit longer, but no issues. There’s also spending and budgeting tabs with all transactions from the cards I linked - neat! Doesn’t cover all the cards I have but there’s a chart with how it changes over time so I know if there’s still room to optimize.

Just canceled the membership and deleted the account/app. Took weeks to be told I didn’t qualify even though I get over $3200 a month. I do not care about the hit to my credit to close out the account. Charging a fee and not getting access to the big selling point of your app is wack and disingenuous. GO TO YOUR LOCAL CREDIT UNION! Rates are likely lower. Boo boo there’s my whine rant.-edit-What a vain response. You’re still very disingenuous with your reply. Your process and procedures are only beneficial for some. Your customer service has great response times but have NO HELP. Just kept me waiting and hoping for almost a month. No way you’re trying to say you’re are better than a 7%-12% rate from a credit union? You’re popular because of the other things you offer, but that doesn’t erase the overall extra cost. Really insensitive reply. Glad I changed my mind. I got approved for $10k through Merrimack valley FOR 60 months at 10ish %. Better than what you were offering because I bank with them and they lowered rate cuz of that. Hmm? Do you offer that? No… huh hmm.