With over 500,000 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 [email protected].
So far it’s been good
I like the potential, I’ve been seeing growth in my credit score not sure how much of it’s due to this app in particular because I also have Kikoff and Self credit builder apps which I think may be helping more not sure but like I said so far it’s been good. I’d say if you need help improving your score it’s worth a try that’s why I give it ⭐️⭐️⭐️⭐️’s For now.
Great app
I must say I was in doubt with this app but within just 2 months my credit has gone up within 20 points I definitely recommend this app
I DO NOT Recommend! Will Take your money and hurt your credit!
I decided I wasn't getting great use of Grow Credit and closed my account. They actually threaten that ending with them will hurt your credit because they'll report it negatively to the credit bureau. When I closed the account I see I owe them a fee for closing. Mind you it's an app that was not doing anything for me for months. Then four days after closing I get an alert from rocket money account that Grow Credit reported me as deliquent! How?! I just ended the account!! There are better apps to help your credit like Kikoff. I do NOT recommend, Run away! DO NOT USE! You've been warned.
Be careful.
They gave me a bounce check that’s all I can say.
Hands down the best credit builder app
I love this app. It’s super reliable, they don’t bombard you with ads or add-ons. It’s been super nice having all my subscriptions in one place and knowing exactly which day they all come out, and it really does help your credit score. My score has gone up about 100 points in a year and the only change I made was using Grow for my subscriptions (Hulu, max, Disney+, PSN, etc). The only “problem” (app didn’t automatically update my eligibility for the deluxe after the 6 on-time payments) I ever had was quickly fixed, and I only sent 2-3 messages total, so easy! Highly recommend.
Claims Are not as they seem.
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.
Skeptical at first
Read some of the bad reviews so I was honestly skeptical at first but I give it the benefit of the doubt and I actually tried it and it does works perfectly fine also it does help out your credit overtime, so yeah, this app deserves five star rating.
Build credit Fast by 44pts with the Grow Debit Mastercard by leveraging your subscriptions and cell phone plans! - Bug fixes and performance enhancements.
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