Reviews 2.7
39 total
Tamicka
1 reviews US
I was not aware that I would be paying…
I was not aware that I would be paying 15.00 a month for the next 10 years, that was way too long
Date of experience: January 01, 2022
Tamicka - if our $15/mo product no longer works for you, please give us a call and we can help you get set up with a shorter-term product or our open-ended REVOLV product (which has an annual fee but no set end date like our INSTAL products). Our long-duration $15/mo product is designed to allow you to build an affordable line which will eventually positively impact your age of credit. The older and more established your credit lines, the better when it comes to your credit profile!
TKing
1 reviews US
😊 wonderful love how it keeps me on…
😊 wonderful love how it keeps me on track thanks credit strong...
Date of experience: December 14, 2022
TKing, we're thrilled to see your feedback and results!
CONCERNED CITIZEN
1 reviews US
Do not trust this company
Do not trust this company. They aren't here to help you build credit. They are here for the money period. Most of these credit building companies will take a small maintenance or service fee at the end of the term. This company takes 60% of your money period. (e.g. if you pay them $1000. they keep over $600 ). Just to report to the credit bureaus. They talk to you on the phone as if they really loaned you the money. That's how deceptive and manipulative they are. Try Self or Kick Off and SAVE your money!!!!!
Date of experience: December 01, 2022
Mechelle Darnell
1 reviews US
This company is great because they make…
This company is great because they make sure of the accuracy is on point.
Date of experience: December 17, 2022
Thanks Mechelle! Glad to hear we've been able to help!
Chris H
1 reviews US
Absolutely horrible
Absolutely horrible! My credit score went down and this effected my debt to income ratio do much do that I had to cancel it to get a house. In addition, the fees are way too high...
Date of experience: October 26, 2022
Chris - we're sorry to hear your experience. Everyone's credit is differently, and while most of our users see a positive impact your concern about debt to income ratio if you plan to open large credit accounts like a mortgage in the near future is one to keep in mind, especially for our MAGNUM plans. We explain who MAGNUM is and is not designed for here: https://www.creditstrong.com/magnum One scenario in which our MAGNUM plans would not be ideal would be if you are planning to apply for a home loan soon and are concerned about your debt to income ratio.
Zachary
1 reviews US
Helpful and Secure
So far so good. The loan I took out has helped my credit score go up and stay consistent. I have yet to have any issues. I would highly recommend the same thing for anyone who needs help with their credit.
Date of experience: December 20, 2022
Zachary, we're pleased to have been a part of your credit building journey. Congratulations on boosting your score!
Reed
1 reviews US
CreditStrong is a piece of the puzzle…
CreditStrong has been a great resource in my journey. It plays a key piece in the overall credit improvement puzzle.
Date of experience: November 01, 2022
Georgia Martin
1 reviews US
Terrible Company
Terrible Company. Put late payments on credit report during COVID-19 and refused to take them off.
Date of experience: March 30, 2023
B Gunes
1 reviews US
think twice before you sign up since it…
think twice before you sign up since it cost you 50% of the account. I have made 12 payments of $110 and once I closed the account I was told I'll be receiving $600 it's ridiculous!
Date of experience: April 28, 2023
Yusuf King
1 reviews US
Stay Away From Credit Weak
I've used this service for 2 years. After careful consideration and analysis, I have arrived at the conclusion that the performance of this particular company is substandard. Despite no missed payments over a period of two years, the company exhibits significant inefficiencies in processing payments, often taking over ten business days for payoffs to be processed and an additional 4-6 days to clear. As a seasoned financial institution professional of over a decade, I can attest that ACH transactions typically do not take that long to process, except for high securitized accounts involving government, international companies, or billions of dollars. The company cites potential risks as the reason for such delays, which is, in my opinion, an inadequate and unacceptable excuse for impeding clients who seek to improve their credit scores. Moreover, the company fails to disclose the total balance of the loan online, which could be considered a violation of Reg-Z or Reg-TILA, and only provides one payment method, which could constitute a violation of banking and lending regulations. It is critical to beware of businesses that claim to be professionals, as they are only interested in their own financial gain and not in their clients' well-being. The company keeps clients' interest rates at 33%, even when their credit score exceeds 720, indicating a lack of interest in retaining their customers. Those who are on a clearly defined financial path may benefit from exploring other options, as this credit repair service is not cost-effective and lacks quality administrative and account services. If you want actual credit repair that is worth your time, get into Business Credit. For more info: email: yking11supcapholdings.com
Date of experience: April 19, 2023
Sahhkai Trece
1 reviews US
SCAM!
SCAM!! My scores DROPPED SIGNIFICANTLY, participated for almost 6 mos with on time payments. When requested to close, I was NOT ABLE TO GET MY MONEY BACK BECAUSE THEY SAID IT GOES TO INTEREST! How am I paying interest on MY MONEY?! 0/10 WOULD NOT RECOMMEND. I am a single mom recovering from bladder and uterine cancer. Thought this program would help rebuild my credit. During recovery periods I was unable to work, since returning I have been rebuilding and had finally got to high 600s until signing up for this program! Y’all have truly set me back and I hope you all close down. Customer service is trash, extremely poor. They do not value customers and this type of malice will answer to karma.
Date of experience: May 05, 2023
Tom Edwards
1 reviews US
SCAM - Get a secured card instead
CreditStrong is a scam that preys on people with poor credit. They take more than half your money every month and it barely impacts your credit score at all. There are far better ways to build your credit, such as a secured credit card.
Date of experience: July 18, 2023
customer
1 reviews US
THEY ARE OWNED BY A BANK
THEY ARE OWNED BY AUSTIN CAPITAL BANK THEY TAKE YOUR MONEY AND INVEST IT. THESE GUYS ARE NOT QUALIFIED TO FIX YOUR CREDIT. SEARCH UP THERE ADDRESS THERE OWNED BY A SMALL BAK VERY SHADY
Date of experience: October 13, 2022
customer
1 reviews US
Don’t do it.
It takes 6 business days to get your money but they sure do deduct your payment immediately from your account. By the way, you’ll be charged $40 a month of your $110 payment for their fees. Read the fine print. You get 0.001 percent interest. This is a huge scam. Don’t do it. I closed out my account after 2 years of being scammed when it finally occurred to me that I should have had over $2400 in it but I only had $1400 - after 2 years of $110 month ‘savings’ payment. And it works against your credit anyhow since your credit utilization will be high on the $10,000 plan, showing you still owe $8500 after 2 years of paying $110 a month. This is crazy.
Date of experience: August 31, 2023
Hendrix
1 reviews US
As the owner of credit repair company, I assure you, this is not the way to go!
I own a credit repair company and there are so many significantly better and cheaper ways to build credit. Just like the whole credit industry in general in this country, this is exploitative and predatory of people just trying to improve their credit scores. Don’t do it. The credit repair industry is shady itself, but there are reputable companies that could help you for much less money. There are also ample (often free) educational sources so that you can learn more about the Rico algorithm (bc I guarantee, most people don’t understand all the various factors that impact credit - it’s just such an opaque and convoluted process - nor do most people understand how they can get negative items removed entirely from their credit report, which will help build your credit much more quickly than simply spending years building new, better credit), resources to help you dispute derogatories, etc. Just do your due diligence bc again, while there are plenty of reputable companies, there are also a lot of really shady, predatory companies.. like this one.
Date of experience: November 02, 2023
obed vilbert
1 reviews US
They will rip you off! Stay away from them
I don't know what i was thinking when i decided to do business with credit strong. They are ripping people off with their shady business model. I've been making payment in the amount of $15 for 2 years. I called them one day because i wanted to close the account and i was in shock when they agent told me that i will be receiving $128 while i expected that my account balance would be $360. The agent told me it's because i withdraw the fund less than a year which makes no sense to me at all. He told me that i should receive the funds within 5 to 7 business days. I waited for over 2 weeks and i never receive the funds. $128 is not even half of the payments that i've been deposited into my account. I called them back and they told me that previous agent did not close the account. I still not have received the funds yet. I would strongly suggest or advise people not to do business with Credit Strong. Stay a way from them.I hate to say it but in my opinion i think they are scam.
Date of experience: January 01, 2024
richard Scroggins
1 reviews US
WARNING ⚠️
This is a huge waste of money it's says 7% interest but it's really closer to 50% it does boost your credit at first but then it flattens out 100% not worth it save your money. WARNING ⚠️ This company takes advantage of people trying to build their credit
Date of experience: April 26, 2024
anthony scatchell
1 reviews US
RIP OFF After 2 years
RIP OFF After 2 years, 50% of my payment went to interest. I paid $1,020.00 and am getting back $570.00. If you need your credit score up for a home or auto loan, make sure you close the loan right after.
Date of experience: May 13, 2024
Sean “Shiz” Carline
1 reviews US
STAY AWAY!
STAY AWAY!! They claim a low interest rate but I realized after looking at my payment summaries that by the time I would be done paying up to the $1000 that they would return to me once I completed the payment plan I would have paid nearly $3000. Once I did the math I canceled my "credit" plan. I have already paid in $375 but will only get returned to me $107!!!
Date of experience: May 26, 2024
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About
CreditStrong builds credit development products for consumers and small businesses. We're powered by Austin Capital Bank, a 5* rated independent community bank and member of the FDIC.
A strong credit score can open doors to credit cards, car loans, mortgages and more. It can help save money on insurance & utilities, aid in qualifying for apartment leases and so much more.
At CreditStrong, we believe a strong credit score is a foundational component of a strong financial future, and it should be accessible to all. With plans starting as low as $15/mo, you can choose they type of credit that's right for you, a payment that makes sense, and get started building today.
CreditStrong's products impact 90% of the factors used to calculate a consumer's FICO score, and are even designed to build savings at the same time as you build credit. We report to all three major consumer credit bureaus.
We even help small businesses build credit! With plans that let your small business choose between interest or no-interest offerings, we've got a solution that can help your business establish it's own credit profile. A business with a strong credit profile can often access beneficial invoicing terms, higher limits with suppliers, and funding options to help manage cash flow.
CreditStrong does not provide unsecured personal loans or credit cards - the savings you build will be accessible to you after your credit builder loan is complete, or after a period of time has elapsed, depending on the plan you select.
Individual results may vary. Unique experiences and past performance for individuals do not guarantee future results for other individuals.