Grow Credit Ratings and Reviews

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!

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! 🙌😊

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!

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! 🙌😊

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.

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.

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.

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. 🙌❤️

This app has it all. It builds credit, it’s easy to use, the customer support is fantastic, and there are no outrageous fees. I have been using it for 8 months now. I have the highest tier plan and use it to pay my cell phone bill monthly. Everything works smoothly and I have seen a positive increase in my credit score. Keep in mind, when you open a new account your credit may go down at first (due to length of credit history and the new account factoring into it). But, I highly recommend you give it a try. A few months of consecutive use and on-time payments, combined with the super low utilization they report, your credit score will increase. This app is very well done and I especially love the broad range of subscriptions and other monthly bills you can use it toward.

Thank you for the kind review, it warmed our hearts! Keep up the great work with your on-time payments. Also, we'll soon have more exclusive subscription discounts on the way! 💙🎉

I have been using this app for almost 16 months now. It has helped in increasing my credit score. I really have enjoyed the conscience of it and quick customer response time with it. Recently, I have experienced some issues that I categorize as drawbacks. Within the new app update it has changed some things. I am no longer able to get certain payments processed for subscriptions because they go over my overall balance that gets auto processed paid on time every month. My current balance is still under the monthly limit I have been paying for. I am also bummed out that they haven’t come out with the option of making multiple payments so it could be more convenient to place all my streaming service subscriptions for it. Their requirements for the accelerator level is kind of hard to meet while rebuilding and building credit.

Thank you for your input. Our team is working on that feature, and it should go live within a few weeks!🙌

I’m beyond grateful, satisfied and almost speechless at how much Grow Credit has helped increase my FICO score! When the pandemic started I along with 500 coworkers was laid off as soon as the covid lockdowns started so without a steady income my only option was turning to high interest credit cards and while that helped with present problems it also created even bigger financial problems for the future and this caused my credit score to drop more and more. Now that I’m working again and after discovering Grow Credit in only 2 MONTHS my credit score has gone up 56 points! I’m so thankful for Grow Credit! I will recommend this app to anyone that needs help re-establishing their credit/FICO score. Thanks Grow Credit!!

Hi Scott - Thank you for the kind review, and we're glad that Grow has made a difference. Keep up the great work with your-ontime payments, we also have more exciting subscription discounts on the way! 💙

This technique for credit is perfect. Paying for the premium where you guys reports $1800 it’s still has not impacted my credit or shown. All it’s done so far is report what I owe, which adds to credit usage. The $1800 has not been added to my credit line. Lastly, I feel it would be more productive if the credit line on the virtual card was at 300 instead of 150 to start just like any secured credit card or a first time card owner. Overall, I love the app and see a lot of productive things in the future with it. The reason I say to start the credit line at 300 is because subscriptions today aren’t cheap anymore. They average anywhere from $5-$100+. Just some food for thought. Keep up the great work.

Thank you for the kind review. And we are taking your suggestions to heart, and plan on adding plans with higher accessible balances in the near future. 🙌

They’re increasing your credit score claims are not as they seem. I paid for $9.99 a month plan and the credit limits were not reported on my top 3 credit bureau reports after six months of use and life of the account. It was reported as an other account type of credit line with no reported limit and it did not raise my scores. The legality of this is gray and questionable too. I’ve asked the Consumer Financial Protection Bureau and the Federal Trade Commission to investigate along with TransUnion, Equifax and Experian to determine their practices and reporting practices and to keep track of what they report. Customer service representatives at Grow are under 30 years old and lack credit knowledge and experience honestly in several interactions with me via chat and phone. Signing up with them may help some people but I don’t recommend them nor you may set yourself up for disappointment with their non truthful credit score raising promises and claims since for me they were false.

Hi there. It sounds like something may have gone wrong with your reporting. We report our loans within the first month of opening and we ensure to include your credit limit along with your payment history each and every month. Please reach out to our customer support team once again at behappy@growcredit.com and inform them of this review. We would be happy to investigate the issue and fix any problems that we can find. We are sorry for the trouble that you are experiencing.

(Summary: Stay Away, they will damage your credit report, used for 2 years with 0 Credit Improvement. Rate this 0 stars if I could, use ANY alternative)

Why? Per, Grow Credit is the worst company I’ve had the displeasure of utilizing for 2 years now and no loyalty from them, as they have the audacity to list a late payment on my report, even though I owe them 0$ and cancelled every sub going to this fake credit app; which I will contest til my last breath, more below.

As they have the most Stone Age basic payment system where even if one has CASH in their Checking account - the payment encounters an error.

Thereafter, without even a friendly Courtesy, even after disabling every single subscription going to grow credit, and asking them personally to shut down my account… they did NOTHING and now I have to spend my TIME contesting this Bogus late payment.

Thus, I will kindly be pursuing every single avenue of CFPB, BBB, and ALL sources of Consumer Protection to ensure no one else has to go through this Worst in Class: Holistic (all of it) Joke of a App/Scam. In my opinion, these are scammers and they don’t even reach out to their customers.

Stay far far away, I instead recommend Chime’s Credit Builder- that is a Real Credit Improving product. Not this, Be WARY my friends, I hope no one else suffers as I have by the hands of Grow Credit.

We are sorry to hear about this issue. Please reach out to our support team at Behappy@growcredit.com and they will promptly help you resolve things. Thanks