Cambio User Reviews

Name: Cambio: Rebuild today
Rating: 4.44175 (823 reviews)

Cambio: Rebuild today

Cambio Financial Health LLC

💰 Finance

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

Top reviews

Most Recent Highest Rated Lowest 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.

JayyDollas

3 years ago

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.

625odyssey

3 years ago

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

New age millennium

3 years ago

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.

AJO67

3 years ago

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

AJO67

3 years ago

Response from developer

Horrible app

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.

AJO67

3 years ago

Worthless app. Total scam.

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.

Every happy bottom

3 years ago

TRASH

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

IsReal504

3 years ago

Response from developer

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.

Amazing App

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.

Yoshiiiiz

3 years ago

Cambio is very knowledgeable

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 👍

acorak777

3 years ago

In proper credit reporting

This company has reported to three credit bureaus that I have been late 60 days. I have made all my payments on time for four months and has affected my credit and allowing me to open credit due to the false reporting please do not open this account. Wait till they figure it out how to report to the credit bureau. They use a third-party reporting company which is getting false information from the company itself. Again hi say do not open this account till it has been fixed!

Rgres1610

3 years ago

Response from developer

Hi there, thank you for this review. First, we sincerely apologize for any added stress or hardship this problem may have caused you. The good news is that the issue has been fixed and was limited to a very small number of our members. Depending on what service you are using to view your credit report, it may anywhere from a few days or a few weeks for the correction to be properly displayed on your credit report. Thank you again for your feedback. Please reach out to us at support@cambiomoney.com if there is anything else we can do for you.

Do not buy subscription

Since I started Cambio which is for about 5 months they were not able to resolve any of my credit issues. I actually had better results going on the credit companies websites and disputing them myself. I decided to cancel Cambio. Then after canceling I get a payment notice from capital 1 saying their payment was changed this morning. I reached out with no response. I went to cancel again and it said my subscription will be canceled in the next couple days. This site has done nothing for my credit except increase my credit card bill. Stay away from Cambio. Just another bot site!!!!

timberguy1990

3 years ago

Response from developer

Hi there! We're sorry to hear you've been having issues. Our payment systems have been recently updated and there may have been an issue with your subscription specifically. Any mischarges will be refunded. If you haven't seen a refund, please let us know at support@cambiomoney.com and we'll make sure its taken care of immediately.

You can’t handle the truth

Since I started using Cambio I feel better about getting my credit accurate and improved. What are you waiting for??? Get on board with Cambio, you won’t regret it.

111xyz111

3 years ago

Great help to get credit back in track

I truly needs help cleaning my credit score. Cambio makes it easy and the web site is very user friendly. I would recommend this for everyone.

SoniaBalonia7272

3 years ago

Credit renewal

So far I have noticed a few different things taken off of my credit, so still pretty new to using, but hopefully it works to raise my credit.

mylasss

3 years ago

HORRIBLE

Horrible App with even worse customer service. Tried signing up and it keep telling me I failed verification. Name is correct, address is correct, DOB is correct, social is correct and phone number is correct. The message they give is “re-enter your information, customer service doesn’t have any information why you failed.” I wouldn’t give them any information at this point, makes me wonder if it’s just a scam app to collect people’s information.

EsorWorld312

3 years ago

Response from developer

Hi there! Thank you for the feedback. Unfortunately, we are required by law to have an automated identity verification system and, to protect our members' identities, do not provide reason of failure. Any information you do provide is never saved and, as stated in our terms, we only use it for the purpose of verifying your identity. We sincerely apologize for the inconvenience.