Grow Credit

Grow Credit Inc.

About this app

With over 1M downloads, Grow Credit, featured on the 2022 Forbes Fintech 50 and recognised as one of America's most innovative companies, helps consumers build credit using their subscriptions, with no prior credit history required.

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 Credit Membership.
- Link your bank account.
- Link your subscriptions to be paid by your Grow Credit Debit Mastercard such as: Netflix, Hulu, Spotify, or over 100 others.

Your subscriptions will be billed to your Grow Credit Debit 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 money.

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 membership plans:
* Build
- 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: $3.99 per month

* Build Starter
- 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: $3.99 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: $6.99 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: $12.99 per month

Additional Features:
- Plan duration: 12 months - renewable.
- Monthly Credit Score.
- Credit Education blogs and tutorials.
- Earn a $10 credit limit increase per referral — not a cash reward or direct payout

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 [e-mail].

Ratings and reviews

CURRENT EDIT: The program has come back and thats great, but your card information doesnt show to update your subscription payments. The button that usually says 'show my card info' isnt there so you basically cant use it until this is fixed. PREVIOUS: It was great until they automatically canceled my account without my permission. They said the program sponsorship has ended so anyone wanting to get a Grow Credit account, cannot. Find another credit building app, friends.

Idk what is wrong with Grow Credit. I have subscriptions that I've had for years suddenly stop getting paid, new subscriptions flat out not work, moved to a new place and requested an address change, all kinds of support emails sent. I've tried to call during support business hours too. I've been trying for months and I can't get a response to save my life. This app is a good concept, but when things stop working, they're done working for good and support doesn't exist.

Used this for years and it was great until recently. The app doesn't work and there are too many issues with trying to get payments processed through the grow credit card. These issues resulted in late payments and me paying through my regular cards. If I have to use my regular payment methods with my subscriptions then there is no use in paying grow credit to make late or no payments to those same subscriptions.

What’s new

minor improvements