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Cambio: Rebuild today

Cambio: Rebuild today

Rebuild credit, save money

823 ratings
66 reviews
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💰 Finance

Archived App

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • May 26, 2021
  • October 17, 2024

Features

Developer

Cambio Financial Health LLC
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Reviews summary↘︎
⭐66
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🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦w/o updates
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About

Improve your credit score quickly with AI-powered tools and expert guidance. Analyze your credit for free, dispute negative items, and negotiate debt to rebuild your financial health.

✓AI-powered credit analysis
✓Unlimited disputes to credit bureaus
✓Smart Negotiation Assistant
✓Personalized credit guidance
✓Hard inquiry and late payment targeting
✓Free credit analysis
Show original description

What users say

Summarized from real user reviews of Cambio. Based on 823 reviews and a 4.4/5 average, it highlights the 6 positives and 4 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Great app for credit repair
  • 🚀Automated credit dispute functionality
  • 💡Helpful credit building program
  • 🚀Easy to use interface
  • 👍Provides useful credit insights
  • 👍Affordable pricing

Negative things

  • 🐛Inconsistent credit reporting issues
  • 🐛Negative credit impact reported by some users
  • 🐛Poor customer service responsiveness
  • 🐛Verification/signup issues for some users
See all reviews

What's New in Cambio

1.1.18

October 17, 2024

We are pleased to announce the release of version 1.1.18 of Cambio. This update focuses on addressing various bugs and introducing improvements to enhance your user experience.

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User reviews

Most RecentHighest RatedLowest Rated

Great App

I can’t speak for the credit builder loan side, but they’ve gotten a few collections removed my my credit report, and a ton of hard inquiries. I will note that it can take a couple months to process though. I would’ve given it a 5 star but I don’t like that it doesn’t tell you which bureau your collections got removed from.
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JayyDollasJayyDollas

Cambio

Cambio found late payments that I didn’t know about from other apps like Credit Karma didn’t tell me about. They even give you ways to help get them deleted from the 3 major credit reporting companies. Awesome app! Would recommend to anyone who has any issues with their credit reports.
625odyssey625odyssey

The future

Best app out second to none helps you get your credit together without having to do anything to help you with dispute letters, collection, letters, basically the whole nine without this app I will still be lost trying to get credit repair or get taken for who knows how much money for a $100 dollars they do all the work for you if you ain’t got it, you need to get it ASAP five stars
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New age millenniumNew age millennium

Destroys Credit

I signed up for the yearly service and added the credit loan builder. It was the biggest mistake you can do. They made my credit score drop by 60+ points and have yet to correct the problem. They said the fixed it after reporting negative payments to Transunion for the past two months. Now they have reported that fake credit builder loan as 90 days late. This has been the worst app experience ever. Reporting them to BBB, State Attorney Office as well a Trans Union. Only customer service is through email. Horrible app. Beware.
****Still have not received a call from a Cambio Representative. Cambio still reporting NEGATIVELY to Trans Union. Email stated issue was corrected. It has not been fixed. PLEASE FIX. You are doing serious damage to my credit. I cannot buy or get a good APR due to NEGATIVE reporting.
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AJO67AJO67

Response from developer

Thank you for your review. We have diligently investigated and resolved all issues that contributed to misreported late payments. We sincerely apologize for the impact this has had on you. Your experience was certainly not up to the level of service that we strive for here at Cambio. Although we do not provide phone support at this time, please reach out to us at support@cambiomoney.com to schedule a call with our leadership for an update on our progress on your account.

Destroys Credit

I signed up for the yearly service and added the credit loan builder. It was the biggest mistake you can do. They made my credit score drop by 60+ points and have yet to correct the problem. They said the fixed it after reporting negative payments to Transunion for the past two months. Now they have reported that fake credit builder loan as 90 days late. This has been the worst app experience ever. Reporting them to BBB, State Attorney Office as well a Trans Union. Only customer service is through email. Horrible app. Beware.
Show more
AJO67AJO67

Response from developer

Thank you for your review. We have diligently investigated and resolved all issues that contributed to misreported late payments. We sincerely apologize for the impact this has had on you. Your experience was certainly not up to the level of service that we strive for here at Cambio. Although we do not provide phone support at this time, please reach out to us at support@cambiomoney.com to schedule a call with our leadership for an update on our progress on your account.

See 61 more reviews

User experience

🐞

Reported Bugs

3 issues

Reporting negative payments to credit bureaus

Bug

Closing accounts without user consent

Bug

Verification failures for some users

Bug
✨

Requested Features

3 requests

Ability to dispute more items

Feature

Improved credit reporting accuracy and reliability

Feature

Better communication on credit building progress

Feature

FAQ

What does Cambio do?

Cambio is a mobile application designed to help users rebuild their credit and improve their credit score. It uses AI to analyze credit reports, identify issues, and provide tools for disputing negative items and negotiating with creditors.

What are the key features of Cambio?

Key features include AI-powered credit analysis, unlimited disputes to all three credit bureaus, a Smart Negotiation Assistant for resolving collections and charge-offs, personalized credit guidance, and targeting of hard inquiries and late payments.

Is Cambio free to use?

The app offers a free credit analysis. While the core functionality for rebuilding credit is available, some advanced features or services may involve in-app purchases.

What kind of results can I expect from using Cambio?

The app aims to help users improve their credit score quickly. However, results are not guaranteed and may vary depending on individual circumstances and the specific actions taken.

Who is Cambio for?

This app is for individuals who want to improve their credit rating, fix bad credit, and get back on track financially. It's particularly useful for those looking for a guided approach to credit rebuilding.