# ALTRO: Culture & Finance — Build Credit & Community > Build credit and financial literacy through subscriptions and community. (iPhone/iPad app by Perch Credit Inc..) - Source: https://appshunter.io/ios/app/altro-culture-and-finance/id6447640372 (this page in markdown: same URL + `.md`) - Developer: [Perch Credit Inc.](https://appshunter.io/developer/1516204208) - Category: Finance, Education - Price: Free with in-app purchases - Rating: 4.39/5 from 33 App Store ratings · 23 written reviews indexed - Age rating: 17+ - Requires: iOS 14.0 · 130 MB - Languages: English - Released: 2023-07-31 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/altro-culture-and-finance/id6447640372/reviews.md ## What is ALTRO? ALTRO supports your path to financial freedom. ALTRO helps you grow your credit history with your recurring subscriptions. Boost your financial education with accessible financial literacy tools. Join live chats with celebrities, change makers, and experts. Join in-person and online networking, Finlit education, and community events. Get empowered. Get inspired. Get in the game. And master it. Our mission is to bring financial power to all. At ALTRO, we know the current credit system is flawed, so we’re disrupting it. We know you deserve credit for the bills you pay, with ALTRO you get it. We know financial freedom starts with financial education so ALTRO gives you free, accessible FinLit lessons. We know the people around you impact your path, so ALTRO welcomes you into an empowered community. We take a holistic approach to financial health and we’re here to contribute to yours. ALTRO is where finance, culture, community, wellness, and self-help intersect. We believe financial literacy, financial health, financial power, and financial freedom are truly within anyone’s reach. Signing up is free! Free-mium Membership FINLIT ESSENTIALS Step up your financial education. ALTRO provides access to financial literacy content designed to be easily digestible so that you can take your knowledge to the next level. Make smarter, more informed decisions about your financial health and future with our mini lessons, available anytime. PODCAST Plug in and listen to previously recorded episodes of CONVOS, our weekly podcast with experts, innovators, and changemakers discussing finance, community, and culture. Be inspired by their journeys to financial freedom and get empowered with valuable information and insight. COMMUNITY EVENTS Altro’s community events are in person & virtual. These events include networking, educational workshops, and community gatherings. In person community events are in collaboration with local organizations and community leaders. Virtual events are hosted by the ALTRO team to create a supportive community that uplifts and empowers everyone in attendance. Premium Membership Apply for the ALTRO CREDIT BUILDER CARD Easily link recurring payments to leverage unseen and uncounted payments to grow your credit history*. One of the only ways to build a credit score is by having a credit history. We help you earn credit by reporting* the recurring payments you’re already making with your subscriptions (Spotify, Netflix, Hulu, etc). Convert your music/shows/memberships/reading into positive credit history*. With ALTRO, your payments FINALLY count. CONVOS CONVOS LIVE is a weekly meeting of the minds and you’ve got a front row seat. Join our live podcast with industry leaders, innovators & experts giving insights into credit, finance, community, culture, and cornerstones of financial empowerment. You’re invited to ask questions and speak directly with our featured guests! Take your seat at the table. PREMIUM EVENTS Meet. Learn. Grow. In person & virtual premium events allow you the chance to grow your network while learning financial literacy and building your skills related to all things money. Mingle and chat with our glowing network of celebs, notable folx, and influencers ready to share what they know. MERCH on a MISSION Behind every great movement, there is even greater MERCH! Premium members enjoy access to exclusive ALTRO merch–bold designs ranging from clothing to unique products, we always represent culture and community. Our exclusive merchandise is the stuff your swag dreams are made of. Sign up today to build credit history and community with folx who see you, support you, and want you to win big. Financial Power to All. *Credit reporting feature coming soon! ALTRO Credit Builder Credit Card is available in 47 U.S. states. Currently not available in Maryland, Colorado, or West Virginia. Altro Credit Builder Credit Cards are issued by Hatch Bank, a California Chartered Industrial Bank. ## Key features - Build credit from subscriptions - Financial literacy lessons - Live expert discussions - Community networking events - Access to podcast episodes ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium Membership (Monthly) | $9.99 | per month | ## Recent user reviews (10 of 23) All indexed reviews: https://appshunter.io/ios/app/altro-culture-and-finance/id6447640372/reviews.md ### 1/5 — ZERO STARS ‼️ *2024-07-31* I never received any information or response after signing up for this “membership” that would help my credit. I emailed them and created a ticket and nobody ever responded. This is a scam! ### 1/5 — Useless *2024-06-15* Endless loop trying to sign in and OTP being rejected. ### 5/5 — Great app/company *2024-04-15* If you haven’t downloaded this app yet, I’m not sure what you’re waiting for I’ve gained so much knowledge and experiences from being a member it’s no joke! A lot of successful conversations and tips! HOP ON NOW ### 5/5 — easy & accessible *2024-04-15* altro is a great app for building credit. it’s simple to keep track of bills, pay them on time and easy to use and understand. I’ve learned a lot from the free resources and am considering applying for the credit builder card! ### 1/5 — WARNING!!! ‼️ charges you $9.99 within trial period *2024-02-10* Did the 7-day free trial but it still charged me $9.99 immediately after starting trial. What is going on?!?! 😡. WARNING—ALSO, MANY ⚠️ FAKE ⚠️ REVIEWS ON APPSTORE ### 5/5 — Game changer! *2024-02-03* Using it to now to build my credit with my Netflix. It is a long process though to verify my identity. Going to get my family on it. And black owned 🙏🏾 ### 1/5 — Buggy and broken autopay *2024-02-02* Their autopay is super buggy. They won’t take your money even if you have it, then threaten to sing your credit. I HAVE THE MONEY YOU HAVE MY ACCOUNT INFO TAKE THE MONEY PLEASE. What kind of financial company are y’all if you don’t even know how to take people’s money correctly. Embarrassing. Use literally any other credit building service because they *will* try to screw you over through their sheer incompetency. ### 5/5 — Cool app *2024-01-22* Smooth sign up process! ### 5/5 — Loving the App! *2024-01-22* Altro is definitely the future! I wish this app existed a long time ago. I also love that they host weekly convos with special guests! ### 5/5 — SO GOOD *2024-01-22* I don’t normally write reviews but this product is actually amazing. thank you for creating this 🙏🏼 also the private Q&As are really insightful ## Frequently asked questions about ALTRO ### What does ALTRO do? ALTRO is designed to help you achieve financial freedom. It allows you to build your credit history by reporting your existing recurring subscription payments, such as those for Netflix or Spotify. Additionally, it provides accessible financial literacy tools and fosters a community through live discussions and events. ### How can I build credit with ALTRO? You can build credit with ALTRO by linking your recurring subscription payments. The app reports these on-time payments to credit bureaus, helping to establish or improve your credit history. This means your regular bills for services you already use can contribute positively to your credit score. ### Is ALTRO free to use? Signing up for ALTRO is free, offering access to financial literacy content and community events. There is a premium membership option that includes the ALTRO CREDIT BUILDER CARD and access to live 'CONVOS' sessions with industry leaders. ### What kind of financial education does ALTRO offer? ALTRO provides easily digestible financial literacy content through mini-lessons that you can access anytime. It also features a podcast called 'CONVOS' with experts discussing finance, community, and culture, offering valuable insights and inspiration for your financial journey. ### What are the community features of ALTRO? ALTRO fosters a strong sense of community through both in-person and virtual events. These events include networking opportunities, educational workshops, and gatherings designed to uplift and empower members. You can also join live 'CONVOS' sessions to interact directly with experts and changemakers. ## Version history (last 5 releases) ### 1.2.9 — 2024-09-24 Minor bug fixes ### 1.2.8 — 2024-05-21 Minor Bug fixes Stability Improvements ### 1.2.7 — 2024-03-26 Bug fixes ### 1.2.6 — 2024-03-21 Minor Bug Fixes Stability Improvements ### 1.2.5 — 2024-03-07 Fixed a critical bug in podcast section. ## Apps similar to ALTRO | App | Rating | Price | Category | | --- | --- | --- | --- | | [Customers Bank Credit Card](https://appshunter.io/ios/app/customers-bank-credit-card/id1621242471) | 5.0 (2) | Free | Finance | | [cred.ai](https://appshunter.io/ios/app/credai/id1393703565) | 4.8 (6,400) | Free | Finance | | [Crypto Pro: Live Coin Tracker](https://appshunter.io/ios/app/crypto-pro-live-coin-tracker/id980888073) | 4.7 (46,214) | Free | Finance | | [Northwestern Mutual](https://appshunter.io/ios/app/northwestern-mutual/id1132579006) | 4.8 (10,523) | Free | Finance | | [Defer My Pay](https://appshunter.io/ios/app/defer-my-pay/id1504799620) | 3.2 (13) | $1.99 | Finance | | [Novel - Business Banking](https://appshunter.io/ios/app/novel-business-banking/id1628104503) | 3.1 (9) | Free | Finance | ## More apps by Perch Credit Inc. - [Altro - Beta](https://appshunter.io/ios/app/altro-beta/id1516209753) All apps by Perch Credit Inc.: https://appshunter.io/developer/1516204208 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*