Grow Credit

Grow Credit

Pay Phone Bills & Build Credit

10K ratings
194 reviews
Free
With Ads

Details

  • Released
  • Updated
  • November 25, 2019
  • June 30, 2026
Grow Credit screenshot #1 for iPhone
Grow Credit screenshot #2 for iPhone
Grow Credit screenshot #3 for iPhone
Grow Credit screenshot #4 for iPhone
Grow Credit screenshot #5 for iPhone
Grow Credit screenshot #6 for iPhone
🖼️Get Icon
Icons↘︎

About

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

Build credit using subscriptions
No prior credit history required
Reports to all three credit bureaus
Free FICO score access
Credit education resources
Grow MasterCard
Show original description

What users say

See all reviews

What's New in Grow Credit

9.0.5

June 30, 2026

Minor updates

User reviews

Horrible Company

Terrible app and company. Website and App haven’t let you login months, haven’t had a successful charge to the account in a year, except for their stupid fee. Get threatening emails about reporting me for not paying but it literally errors out when I’ve tried to login since at least March. Do not use this app. It is terrible. Glad they are closing.
Show more

Total waste and frustration

The company does not care at all. They keep on saying their system issues and it’s down. I got worried and frustrations that it’s gonna report late payments while I’m trying to fix my credit and all these responses are total lies. It’s been going on for a long time, they do not really care. Nobody knows what’s going on at the company and I think it’s time I cancel.
Show more

Do not use!!!!

Crooks!! My card only worked for 1 month they took my deposit of $150 and did not get it back. I keep getting the run around for over 3 months!!!

Do not use!!!!’

Beware of this app it has so many bugs and problems It won’t let me upload my debit or link my new bank account to pay off the balance and close this dang account 🙄🙄🙄🙄so frustrating and you can’t get ahold of customer support only threw email

Unusable

I have had Grow Credit for several years now. I even stayed with them when they shut down completely and then reopened after they shifted their lender. Now they are doing a “short-term” “company wide system integration upgrades” but that means all cards have been locked, no one can pay their subscriptions, and the current accounts are basically useless. I have not personally been able to pay any of my bills since March. There is no timeline available for customers for when this “short-term” situation will end. When you are budgeting, as most (all?) Americans are doing right now, this creates a huge problem for the plans you have in place and when bills will be paid, from which pay periods. I appreciate being able to bundle all my smaller bills and know when that will come out of my account, and the tiny boosts o my credit the account provides. However, this is completely unacceptable and ridiculous for customers to have to deal with in this economy. Fix it and get things working again.
Show more

Featured on

User experience

🐞

Reported Bugs

3 issues

Late payment reporting despite on-time payments

Bug

Difficulty closing accounts

Bug

Payments not processing correctly

Bug

Requested Features

4 requests

Increase credit limits

Feature

Allow payment of more subscription types

Feature

Provide phone support

Feature

Improve app stability and user experience

Feature

FAQ

What does the Grow Credit app do?

Grow Credit helps users build their credit history by reporting their on-time subscription payments to the three major credit bureaus (Experian, Equifax, and TransUnion). It allows individuals to establish a credit score even if they have no prior credit history. The app facilitates this by using a Grow MasterCard linked to your bank account, on which your subscriptions are billed.

What are the key features of Grow Credit?

Key features include building credit using existing subscriptions like Netflix, Spotify, and phone bills, reporting to all three credit bureaus, and offering a free FICO score. It also provides access to credit education blogs and tutorials. Users can choose from various plans with different credit line limits and monthly spending limits.

How much does Grow Credit cost?

Grow Credit offers a 'Build Free' plan which is completely free and reports a $204 credit line with a $17 monthly spending limit. Paid plans include 'Build Secured' at $2.99/month, 'Grow' at $4.99/month, and 'Accelerate' at $9.99/month, offering higher credit lines and spending limits.

Is Grow Credit compatible with my phone?

While specific operating system requirements are not detailed in the provided description, the app is available for download, suggesting compatibility with major mobile operating systems like iOS and Android. It is recommended to check the app store listing for precise compatibility information.

Who is Grow Credit best suited for?

Grow Credit is ideal for individuals with no credit history or those looking to improve their credit score. It's particularly useful for young adults, students, or anyone who struggles to qualify for traditional credit products. By leveraging existing subscription payments, it offers an accessible way to build a positive credit record.