Grow Credit 4+

Build Credit for Free

Grow Credit

    • 4.7 • 4.9K Ratings
    • Free

iPhone Screenshots

Description

With over 400,000 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, Hulu, Spotify, 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.

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!

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.

What’s New

Version 3.3.0

Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Support for Secured Student Plan
- Login multi-factor authentication support for email and SMS

Ratings and Reviews

4.7 out of 5
4.9K Ratings

4.9K Ratings

Stryder1017 ,

Awesome App, Even Better Service

I saw an ad for this on Instagram and thought it was too good to be true, and I was told if it is it’s probably true but Grow Credit doesn’t fall into that category. It’s so easy to use, there’s no scam or credit checks, it’s a brilliant idea! How did no one think of this sooner? Right now I have my Netflix hooked up to it. The max is $15, not much, but it’s something! I’m sure you can even put two on there if had some base plans but most people don’t these days. Thanks to their automatic withdrawals it’s so easy to never miss a payment since it just comes right out and it’s all reported.

Growing credit is a marathon not a sprint. I’ll admit i made some poor credit decisions back in the day and I’m paying for them (literally) but something like Grow credit really helps in adding a little extra something and every little bit helps.

The customer service team is awesome too. The only one snag I had was that my Netflix came due before my Grow Credit payment but their team was quick to rectify this and it was all set from there on out. I can’t say I’ve had any issues really. It’s a great way to set it and forget it. I can’t wait to upgrade to throw some more on there and hopefully raise my score a little more!

Developer Response ,

At Grow Credit, our success is measured by how deeply we care about each other as a team and how deeply we care about our users. Your review warmed our hearts; our entire team is looking forward to continuing to support you and being by your side throughout your credit-building journey.

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! 🙌😊

TristanCajar ,

Stroke of Genius!

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! 🙌😊

READ CLOSELY ,

Scam BEWARe

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.

App Privacy

The developer, Grow Credit, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

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:

  • Diagnostics

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

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