# Cambio: Rebuild today — user reviews > 66 indexed App Store user reviews of Cambio by Cambio Financial Health LLC, rated 4.44/5 from 823 ratings. - Source: https://appshunter.io/ios/app/cambio-rebuild-today/id1558140531/reviews - App overview in markdown: https://appshunter.io/ios/app/cambio-rebuild-today/id1558140531.md - Rating breakdown: 5★ 663 · 4★ 38 · 3★ 27 · 2★ 16 · 1★ 80 ## 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 ## Newest reviews (12 of 66) ### 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 — Credit *2023-02-14, version 1.0.95* Helped me get my credit score up. Love this app! So easy to use ### 5/5 — Wonderful *2023-01-15, version 1.0.93* Just started using the app and it’s been great they have so many options to help. ### 5/5 — Love it *2022-12-27, version 1.0.91* I love this app. Can’t wait to start this so my credit will go up. ### 5/5 — Great! *2022-12-16, version 1.0.90* Allows a lot of opportunities to fix your credit! ### 5/5 — Great app *2022-12-08, version 1.0.89* Great app simple has been a great help for my rebuilding of my credit thank you ### 5/5 — Great App. *2022-12-06, version 1.0.89* Cambio is a great app to have if you’re looking to raise your credit score. They offer a credit building program for only 5$. Set what you want your score to be and they will help you get it there. I wish you could dispute more items though but it’s cool. I’ve raised my scores well over 10–15 points and have only had the app two months. ### 5/5 — Very Helpful *2022-12-05, version 1.0.89* I have had this service for a month or so and have yet to see it report on my credit report but I’m hoping it reports this month. Seems pretty cool so far other than that reporting issue. **Developer response:** Hi Corey, thanks for the review! Cambio's credit builder loan typically reports in the month following your first payment. If you have any questions or issues, don't hesitate to reach out to us at support@cambiomoney.com. ### 5/5 — Building it Up *2022-12-03, version 1.0.89* This is awesom finally I am working on getting myself to a better place! ### 5/5 — Great app so far *2022-11-29, version 1.0.88* So far so good I’m really hoping this will help raise my credit, but I have no complaints so far ### 5/5 — Reviews *2022-11-19, version 1.0.87* Loving this app very useful. This has provided information other platforms have not shown. ### 5/5 — Awesome thanks *2022-11-16, version 1.0.87* Great job with the app, it’s been a very informational journey with Cambio, now I can go on and help others in my life with understanding what’s needing to be done with their own credit score in order to achieve greatness in their credit building journey. ## Most critical reviews (10 lowest-rated) ### 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. ### 1/5 — In proper credit reporting *2023-05-10* 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! **Developer response:** 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. ### 1/5 — Do not buy subscription *2023-04-20* 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!!!! **Developer response:** 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. ### 1/5 — HORRIBLE *2023-03-04* 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. **Developer response:** 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. ### 1/5 — Disgusting app, watch your choice of words *2022-06-19, version 1.0.73* This app is janky, non sufficient and cheap. They need to watch their choice of words. I’ve never seen any reputable app or business use the word “struggle” to a consumer. That did not sit well with me and I rebuke that in the name of Jesus. This ghetto, lackluster terribly made cheap app had the nerve to say I might “struggle” to make monthly payments due to my bank account activity. They literally used that word. Do you know what that word means? Look it up in the dictionary to see what it actually means before you go loosely using a word like that. That in unprofessional, and ghetto. And the only one struggling is you guys from the looks of this terribly made cheap app that has glitches. Delete my information from this disgusting app and use better choice of words going forward. How dare you say that to someone. I rebuke that and the only one struggling is your poorly made destitute app! **Developer response:** Hi there, thank you for the review and your feedback. We sincerely apologize for our language which caused offense. We will update this language immediately. ### 1/5 — RIP OFF *2022-06-16, version 1.0.73* Paid for a subscription to dispute items on my credit report and waited two months just get a letter in the mail from the credit bureau saying that i was using an unauthorized third party to dispute my claims and would have to go through a different company. ## Most praised reviews (10 highest-rated) ### 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 ### 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 👍 ### 5/5 — You can’t handle the truth *2023-04-10* 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. ### 5/5 — Great help to get credit back in track *2023-03-24* 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. ### 5/5 — Credit renewal *2023-03-20* 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. ### 5/5 — So easy *2023-02-21, version 1.0.96* Once I downloaded the app it was off to the races. The app walked me through the steps to fix my credit. ### 5/5 — Finally *2023-02-18, version 1.0.95* Can’t wait to see my credit change ### 5/5 — Great app for fixing your credit *2023-02-15, version 1.0.95* This is the perfect way to build your personal credit. --- *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.*