Fell for it during Covid like many. Just tried to call and pay off my balance to get my money back because it’s doing absolutely nothing for my credit and I rather have my 5k. They say they can’t take... See more
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Applied for $1000 plan. somehow turned into $10,000.00 plan. Second loan for $1000, tried to pay it out early. only for credit strong to increase the limit and continue drafting payments without my c... See more
Where do I start 🤔 ok first let me say they are legit I've paid their membership fees second I had beyond troubled credit 😅 not only am I approaching 700 but it's been less then a month or at least... See more
You call and cancel they don’t and you end up with late payments from Austin Bank. This company is a scam with horrible processes. They need to be audited by the federal government. They will worsen y... See more
Company details
About CreditStrong
Written by the company
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.
Contact info
8100 Shoal Creek Blvd., 78757, Austin, United States
- 1-833-850-0850
- info@creditstrong.com
- creditstrong.com
1.7
Bad
89 reviews
Hasn’t replied to negative reviews
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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.
20 December 2022
Reply from CreditStrong
Zachary, we're pleased to have been a part of your credit building journey. Congratulations on boosting your score!
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...
26 October 2022
Reply from CreditStrong
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.
This company is great because they make…
This company is great because they make sure of the accuracy is on point.
17 December 2022
Reply from CreditStrong
Thanks Mechelle! Glad to hear we've been able to help!
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!!!!!
1 December 2022
Unprompted review
😊 wonderful love how it keeps me on…
😊 wonderful love how it keeps me on track thanks credit strong...
14 December 2022
Reply from CreditStrong
TKing, we're thrilled to see your feedback and results!
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
1 January 2022
Reply from CreditStrong
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!
I’m not seeing information sent to the…
I’m not seeing information sent to the credit bureaus in a timely manner
3 November 2022
Reply from CreditStrong
Wayne - thank you for your feedback! Keep in mind that while reports are sent to the credit bureaus on the same day each month, the speed with which bureaus process reports and update your credit profile may vary by bureau and month. It can often take several days or weeks for bureaus to update your profile, but your full payment history will always appear.
Great credit builder
Great credit builder, however it takes forever to report to all three credit bureau’s.
3 November 2022
Reply from CreditStrong
Key, thanks for your feedback and for being part of the CreditStrong community! Keep in mind that while reports are sent to the credit bureaus on the same day each month, the speed with which bureaus process reports and update your credit profile may vary by bureau and month. It can often take several days or weeks for bureaus to update your profile, but your full payment history will always appear.
waste of money
It is ineffective and takes half of what you pay. Customer service said the interest rate is 12% on payments “like a normal loan installment”, but in reality it’s 50%.
25 October 2022
Reply from CreditStrong
Nicole - we're sorry to hear about your experience. Everyone's credit profile is different, so the impact that CreditStrong's products have on your credit profile will vary.
The amount of your payment that builds savings vs. is allocated to interest each month, like other installment loans, starts off weighted towards interest and shifts over time to be weighted towards principal (savings). The best products for our customers to quickly build savings are our Build & Save products or our REVOLV product, where 100% of your optional monthly payment goes directly to a savings account.
Our Build and MAGNUM products are longer-term products that are not ideal for building savings at an accelerated pace.
It's helping my credit
It's helping my credit. I was recently able to qualify for a mortgage loan because of my CreditStrong credit rebuilder loan. Thanks, CreditStrong!
26 July 2022
Reply from CreditStrong
Maria - that's wonderful news! Congratulations on qualifying for a mortgage, we're happy to have been a part of your credit building journey.
The representatives are helpful
The representatives are helpful. The process is straightforward in helping me meet my goals.
31 October 2022
Reply from CreditStrong
Thanks for your feedback! We love hearing good reports about our Customer Service team and will be sure to let them know the great callout.
Credit strong offered me an opportunity…
Credit strong offered me an opportunity to build some credit history while also saving money.
1 November 2021
Reply from CreditStrong
Michael - we're glad to hear that CreditStrong has helped you build your credit profile! Thanks for being a part of the CreditStrong community.
Credit Strong has helped me to elevate the strength of my credit
Credit Strong has helped me to help myself by assisting me with an opportunity to elevate the strength of my credit. I can create great opportunities for myself by establishing strong credit with the responsibility & discipline of paying consistently on time.
3 March 2022
Reply from CreditStrong
Valsema - we're thrilled to hear your experience! Thanks for being a part of the CreditStrong community.
Definitely recommended
I've been with CS for almost a year and a half now and my Credit score has went up a good amount. They have a very helpful and responsive customer service team and email you several reminders so that you're not late making your monthly payments.
28 October 2022
Reply from CreditStrong
Thanks for the positive review! We're happy to be a part of your credit building journey!
Reply from CreditStrong
Thank you! We love hearing great feedback.
SCAM
I opened a small account a few years ago and thought oh this would be a great idea to open a larger one and have a little something growing. Well my husband died and I just couldn't afford to pay the 110 any longer. It takes a while for the "dust to settle" when someone dies. So i closed the account and I had paid 1000 in and they took 500 for "interest"!!!!
27 October 2022
Unprompted review
Reply from CreditStrong
Peg - we're sorry to hear about your loss.
Our MAGNUM products are designed to build large amounts of credit, and they are long-term products, with 120 month terms. As with any loan, in the early months of the product your payments will be heavily weighted towards interest, and transition towards principal over the term of the loan.
You can see the amortization schedule see how your payments are allocated in each year of a MAGNUM plan here: https://www.creditstrong.com/magnum-detail/
Haven’t gained much from start.
Haven’t gained much from start.. but lost 65 points due to a debit card fraud mistake
26 October 2022
Reply from CreditStrong
Bryce - we're sorry to hear about your fraud challenges. Because credit scores are a compilation of all your credit-related activities, the impact of CreditStrong on your profile may be overwhelmed by a negative activity like you describe.
Eh. Meh. 😕
Like: Easy to use, easy to comprehend Website.
Dislike: No App. Hasn't reported my last 2 or 3 payments. Customer support widget should be available. 1980’s-like support.
26 October 2022
Reply from CreditStrong
We'd love to help you with any support needed - our customer support team actively monitors our on-site chat widget during our hours of business (currently 7am-7pm CT, Monday-Friday).
All payments are reported to all three major credit bureaus each month - if you're not seeing them, please give our customer service team a call at 833-850-0850.
I truly recommend credit strong for…
I truly recommend credit strong for anyone who is trying to rebuild credit. I myself have had so many new doors open up since joining. I gained right at 100 points since joining, thanks for helping me get my credit where it needs to be. I now have very good credit. I could right a book about credit strong but I won't, just know it takes time but the progress surely pays off.
25 October 2022
Reply from CreditStrong
Thank you so much for your feedback! We're thrilled we were able to help you on your credit building journey.
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