# Cambio: Rebuild today — Rebuild credit, save money > AI-powered credit rebuilding and score improvement app. (iPhone/iPad app by Cambio Financial Health LLC.) - Source: https://appshunter.io/ios/app/cambio-rebuild-today/id1558140531 (this page in markdown: same URL + `.md`) - Developer: [Cambio Financial Health LLC](https://appshunter.io/developer/1558140533) - Category: Finance - Price: Free - Rating: 4.44/5 from 823 App Store ratings · 66 written reviews indexed - Age rating: 17+ - Requires: iOS 16.1 · 98 MB - Languages: English - Released: 2021-05-26 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/cambio-rebuild-today/id1558140531/reviews.md ## What is Cambio? Your financial fresh start. Improve your score fast* with a credit expert in your pocket. FIX BAD CREDIT Cambio's AI-Powered Credit Improvement makes fixing your credit easier than ever. Instantly see your credit score and analyze your credit for FREE. Use AI to identify exactly what's hurting you and how to fix it. Auto-dispute items like hard inquiries, late payments, collection accounts and more. Negotiate, pay off and remove your accurate charge-offs and collections like a pro with our Smart Negotiation Assistant. Let Cambio do the hard work and watch your credit score improve!* Services include: • Unlimited disputes to all 3 credit bureaus • Negotiation assistance to resolve accurate collections and charge-offs • AI-Powered Credit Analysis • Hard inquiry and late payment targeting • Ongoing Credit Analysis • Personalized credit guidance • No hard inquiries • No card or deposit necessary Download the app today to get your FREE credit analysis! Cambio is a mobile app that makes it easy to rebuild your credit quickly. Improve Your Credit Rating and Get Back On Track Today! *Results are not guaranteed and may vary. ## Key features - AI-powered credit analysis - Unlimited disputes to credit bureaus - Smart Negotiation Assistant - Personalized credit guidance - Hard inquiry and late payment targeting - Free credit analysis ## What do users think of Cambio? Overall sentiment: neutral **Pros** - 👍 Great app for credit repair - 🚀 Automated credit dispute functionality - 💡 Helpful credit building program - 🚀 Easy to use interface - 👍 Provides useful credit insights - 👍 Affordable pricing **Cons** - 🐛 Inconsistent credit reporting issues - 🐛 Negative credit impact reported by some users - 🐛 Poor customer service responsiveness - 🐛 Verification/signup issues for some users **Commonly reported bugs** - Reporting negative payments to credit bureaus - Closing accounts without user consent - Verification failures for some users **Most requested features** - Ability to dispute more items - Improved credit reporting accuracy and reliability - Better communication on credit building progress ## Recent user reviews (10 of 66) All indexed reviews: https://appshunter.io/ios/app/cambio-rebuild-today/id1558140531/reviews.md ### 4/5 — Great App *2023-12-31* 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. ### 5/5 — Cambio *2023-11-15* 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. ### 5/5 — The future *2023-11-11* 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 ### 1/5 — Destroys Credit *2023-08-28* 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. **Developer response:** 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. ### 1/5 — Destroys Credit *2023-08-05* 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. **Developer response:** 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. ### 1/5 — Horrible app *2023-07-13* I joined Cambio to repair my credit report and it has made it worse. I signed up for their loan repair which I make monthly automated payments on a loan that they are supposed to report positive payments to the credit agencies. They have reported missed payments for over 30-59 days which lowered my score by 58 points. Keep in mind I do automated payments each month and it is current. Their customer service is horrible, I’ve sent them screenshots of what they have done to my credit score, and they have yet to correct it. Waste of money and they make your credit score worse. Their dispute system is a joke as well. Beware of this app. Better off with KIK. ### 1/5 — Worthless app. Total scam. *2023-07-07* They never had real updated info on the app. They never resolved even one dispute for me even though there are a few that are legitimately not mine. They would say they sent disputes but already showed them as having failed the second they say they sent them with no change. They said the removed personal info from web but the numbers never changed. What a rip off. Save your money try something else. ### 1/5 — TRASH *2023-06-23* I open this account last year and it started off good I payed on time through autopay each month but the service c u company failed to report each month on time after about 7 month of on time payments reporting I’m not sure why…next my credit score dropped from 727 to 580 the first time and TransUnion fixed it after I reported it to them as a error So the following month they didn’t report on time aging and after a longer waiting period from TransUnion CAMBIO decided to close my account without my consent or contacting me that it would be closed this is very unprofessional. I WAS FORCED TO FORFEIT THE FUNDS I PAYED TOWARDS THE LOAN AGREEMENT ALTHOUGH IT WASN'T MUCH I STILL WOULD HAVE LIKED TO DO FOR MYSELF SELF WITH THE FUNDS I ALSO LOSE 1 YR OF ON TIME HISTORY BECAUSE OF THE PROCESS CENTER NOT REPORTING OR REPORTING ONTIME SMH DONT WASTE YOUR TIME OR MONEY THIS COMPANY IS A SCAM AND THERE ARE OTHERS THAT WENT THROUGH THIS AND AFA NEED TO BE AWARE WE MIGHT BE DIRECTLY TARGET BY ADDRESS ON REPORT… Inn CLOSING I HAVE ALSO STARTED A ACCOUT LAST YEAR WITH “SELF” ONE I HIGHLY RECOMMEND THEY REPORT ON TIME EACH MONTH NEXT MONTH MAKES A YEAR WITH NO PROBLEMS ..KIKOFF IS ANOTHER I RECOMMEND GOOD LUCK ON YOUR CREDIT JOURNEY **Developer response:** Thank you for this review. We absolutely understand your frustration and sincerely apologize for any issues and inconvenience we may have caused. We have resolved any and all reporting issues and are confident the problem will not occur again. Although we caught and corrected the problem early, it may take several days for your credit report and score to reflect new information depending on the service you are using to obtain this information. Please reach out to us at support@cambiomoney.com so that we may confirm the correction directly. ### 5/5 — Amazing App *2023-05-31* The App is completely on whole new level when it comes to fixing credit the app has automated functionality and also preps you for your own tasks such as DIY projects for sending paperwork and letters some features are beyond few people but each benefit this app gives is just remarkable. ### 5/5 — Cambio is very knowledgeable *2023-05-30* I just started with Cambio and all the information that they have for me is amazing 🙏 I’m working on getting my credit score up and they are definitely helping me see exactly what I need to do in order for that to happen 👍 ## Frequently asked questions about Cambio ### 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. ## Version history (last 5 releases) ### 1.1.18 — 2024-10-17 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. ### 1.1.17 — 2023-12-11 We are pleased to announce the release of version 1.1.17 of Cambio. This update focuses on addressing various bugs and introducing improvements to enhance your user experience. ### 1.1.16 — 2023-12-05 We are pleased to announce the release of version 1.1.16 of Cambio. This update focuses on addressing various bugs and introducing improvements to enhance your user experience. ### 1.1.15 — 2023-11-20 We are pleased to announce the release of version 1.1.15 of Cambio. This update focuses on addressing various bugs and introducing improvements to enhance your user experience. ### 1.1.14 — 2023-11-13 In this update, all users now receive a free AI analysis upon sign-up. Find out exactly what's hurting your credit score and the best actions to take to improve! ## Apps similar to Cambio | App | Rating | Price | Category | | --- | --- | --- | --- | | [Kikoff – Build Credit Quickly](https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784) | 4.9 (247,679) | Free | Finance | | [Intuit Credit Karma](https://appshunter.io/ios/app/intuit-credit-karma/id519817714) | 4.8 (7,633,813) | Free | Finance | | [Experian®](https://appshunter.io/ios/app/experian/id1087101090) | 4.8 (2,650,751) | Free | Finance | | [Grow Credit](https://appshunter.io/ios/app/grow-credit/id1482246872) | 4.8 (10,113) | Free | Finance | | [Credit Sesame: Grow Your Score](https://appshunter.io/ios/app/credit-sesame-grow-your-score/id476718980) | 4.8 (436,564) | Free | Finance | | [myFICO - Credit Score Tracking](https://appshunter.io/ios/app/myfico-credit-score-tracking/id714626557) | 4.8 (46,083) | Free | Finance | --- *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.*