growcredit.com Reviews 

This company refuses to close your account, even if nothing is owe, it wil then tell you you need to make a payment in order to close the account, that’s ridiculous. They will then keep charging your account after you asked them to close yours, even if they took your money for the payment they will not close the account, they will proceed to tell you you need make a payment and that game will continue. After that game let’s say you shut the card down you used ti pay them and ask again for the account to be closed, not only will they not close the account, they will say your missing payments and add report it to the credit agency. My score has gone down 75 points in the last 6 months over this because I refuse to make a payment, I asked the account be closed. They refuse to do so.

DO NOT GIVE THIS COMPANY YOUR CREDIT OR DEBIT CARD INFORMATION!! This is the only company with a rigged website of BOTS you cannot deactivate or close account. I am LIVID and have spent hours trying to get this account closed after just opening account.
I want to sue these people for TRICKERY on not being able to easily close account. You can't do anything but use the service but no where to access and close account even after several emails.

I am doing a home loan that needs no extra activity so this account can be financially injurious when you can't GET RID OF THEM. I feel completely scammed and given the run around by BOTS. This company is absolute trash.

**STAY AWAY** this company it’s a joke, they are suppose to help you “Grow your Credit” and they were the very company who actually damaged my credit score. They illegally reported a 30days past due payment on my credit report which damaged it subsequently. Losing more than 50 points. My payment never got to be 30days past due and they will not help me since I had stopped the membership with them because the level of unprofessionalism was far too much. It took me about 4/5 months but eventually I managed to dispute against them and show them how ridiculous they had been with promising to grow my credit and then being the ones damaging it the most for no good reasons and against the law. Do not believe or trust them, they do not care about helping your credit score they only care about your money. The worst experience, worst costumer service and worst level of unprofessionalism. Do not fall for this company.

Horrible I closed account a month ago and now is showing up as late payment.I try to call but no answer they say they will send email to provide help wish I never signed up for this service.. Do not sign up many other ways to build credit ….

I've been using Grow Credit for a couple of years now and apparently about four months ago, my auto-pay account was disconnected from Grow. Instead of contacting me like a decent company, they just let my loan default for months in a row. When my first payment was late, did I get an email or any other communication indicating such? NOPE. So I carried on thinking all was well because the subscriptions I had linked to it were still being paid. So now after four months of no payments, the only reason I know my loan has not been paid is because my credit score dropped by 100 points and my credit report showed that loan as being in default. Now they won't allow me to pay my balance to close my account because every time I log in to the site to try and pay it, I see a message that "statement generation is in progress" and I cannot make a payment until the statement is generated. Surely "statement generation" doesn't take two weeks while Grow Credit continues to ruin my credit.

Grow Credit is a predatory company, all to eager to screw over their subscribers and will ruin your credit far more than they'll build it.

Company so terrible I have things like Ava and money lion and they’ve boosted my credit. Grow credit is the only thing bringing it down this place is straight trash

I have been with Grow Credit for 2 years never had an issue with payments or anything, their service is straight forward, They offer autopay, which is the best way to make payments on time. I like to make sure my bills are paid on time. My credit score has significantly improved since I started with Grow, I was able to purchase a brand new car at a very low rate. THANK YOU GROW CREDIT!

They are ruining my credit, paid it off and they will not close my account so it's showing up as late/missed payments on my report, do not recommend...

This is a wonderful app for building credit while maintaining payments to all of your memberships and customer service is great and always available. I highly recommend

I’ve had the same issues everyone else has. My bank won’t link, and it does not have issues with Plaid on other services. I do not get any notification, through the app or email that my payment failed. I have to check and pay another way. I’ve tried both app and online and worked with customer service several times. They apologize and say it won’t happen again. Except it does. They’ve now reported a delinquency which was not due to me not paying, but their system not working. It’s incredibly frustrating because I don’t need to pay for these subscriptions via credit. I have plenty of ability to through other means but I wanted to grow my credit. Instead it’s been hurt several times and their advice to me today was to not close my account for fear of hurting my credit more and they would look into removing the delinquency. No apologies. No excuses even.

I had to cancel my subscription today. Grow credit didnt charge me a membership
fee In Dec. So January created a double payment. My credit line is only $50. I have made at least 12 payments on auto pay. So the debt to ratio had me at 50% utilization rate. And my score dropped. I can't do the mishaps of billing. It defeats the purpose of have an subscription. I'll stick to paying my own Netflix bill. Thanks but no thank grow credit. More like damage credit .

When it works it's good, but when it stops working it hurts your score. I had autopay setup. It stopped working and I was NOT notified. Credit score dropped 20-30 points. I set up autopay again. Somehow the app unlinked from my payment method. Credit score dropped 13 points. Now I'm wondering if this is on purpose. Every time my score has dropped this year has been because of growcredit. I cannot recommend it.

I came on here to see the reviews because I'm having issues just with the app and the website. I guess I have an account because I get emails, but I have no idea how to use it, But I'm glad I didn't continue after reading all the reviews.

I feel I’ve fallen victim to their mistakes and they can’t even so much as apologize. Due to them not not withdrawing their monthly fee for two month (set on autopay BTW) I have been dinged for late payments on my credit report. This has resulted in an over 70 point drop in my score.

When asked what happened, the man I was chatting with blamed me for the oversight. However, it’s only 10/mo and I setup autopay. So, obviously I didn’t notice when the payments stopped being withdrawn.

He also said they send emails when payments fail to go through or are late. I do not believe this, because I searched all of my emails and never once got anything from them during the two month window they’re claiming. I also didn’t receive any statements from them within this two months.

I fully believe there was an issue with their system and I am likely not the only one to experience this.

The rep was apathetic and fairly rude at best.

I will be cancelling my subscription and absolutely NOT recommending them to anyone.

I had an account for a few months. Grow Credit advertises that they will report an "$1800" credit limit. However, they actually report a $150 loan, BUT they report it 12 times over the year...so they figure it adds up to $1800. I contacted them to close my account because paying $10 per month seemed steep for such misdirection. They offered to give me a "free" account instead. Not sure how they make money on a free account that reports a $17 loan, but it just seemed too sketchy for my tastes. Plus, credit bureaus are wise to this scam and lump these loans into the trash pile, which doesn't help anyway. If they go the distance, maybe I will give them another shot...AFTER they have established themselves.

They charged me for a service of food I didn’t even get cuz payment never went thru but charged me on grow credit KAT THE PERSON THRU EMAIL NANCY ANGELICA AFE HORRIBLE AN GIVE NO HELP TO RESOLVE A PROBLEM ON THERE END DO NOT USE THIS COMPANY THEY WILL RUIN YOUR CREDIT !!!!!! THEY GET 0 on consumer care and 0 OVERALL ON SERVICE

I signed up for Grow Credit and decided a few days later before the account was officially open, before I had agreed to open the account and use their card, I contacted them in app and email multiple times from July 5th to July 15th and I had to deal with the customer service representatives Melody and Kat, trying to get them to help me close my account. They flat out refused to help me, refused to even respond to my questions with anything other than telling me that I could log into the account when it is ready, ignoring that I told them that I want to close it and I don't approve of their terms. Essentially, they forced me to open it. I want Grow Credit to remove this unused account from my credit report that is only on it because Melody and Kat, through their refusal to assist customer, forced me to accept open the account so that I could close it, since Grow refuses to help. I have screenshots and transcripts of everything.

Pathetic and ridiculous company.

After some research I regret ever using this company for anything regarding credit.

Their autopay suddenly stops working and doesn't process my payments even though I've used their service for well over 6 months with on-time and payments going through everytime.

Out of nowhere I receive a negative mark on my report that I'm Delinquent. For a measly $15 I'm suddenly delinquent???

I have 5+ credit cards that I manage and have never had such an issue with payments or autopay, yet GrowCredit somehow manages to be the exemption. Truely a disgusting company that claims to grow your credit. Word of advise, do not use this company. There goes my Good Credit that I spent years working on.

They make claims that it's "always free" but then you have to pay them a monthly fee. Ridiculous. The low limits are not worth it at all.

Been a customer for over a year. The number one reason for the one star review: there is no customer support. The chat page or support bot page is blank. There are no email addresses or any known listed means for contact. The other reasons for my review: they never pay my subscriptions on time. They are always late and usually my subscription services would get turned off before grow credit FINALLY issued a payment. You have to be strategic and exact about setting up your account, which is a joke because as a new user you’re unaware of how terrible they are at timely payments. I missed a monthly payment, initiated a new one, and the payment is STILL pending- Which usually happens. You initiate a payment, it’s takes a week for the transaction to occur. Anyways, while my payment is still pending on the app, I just received a notification that the reported my payment as late to the credit bureaus. WHY would you report a late payment IF you are a credit building app? Why would you ever do the one thing that is most damaging to a consumer??? Now as I stare at my pending payment, and my credit score that just dropped 25pts thanks to grow credit, I will make it my mission to blast this company on every medium I can find. The lack of transparency and obvious hypocrisy in their mission vs operations, I highly recommend you stay far far away from Grow Credit. 11/08/21- I received the standard okie doke reply below. Again, Grow Credit pays way more attention to complaints and policing the voices of its customers than it does actually providing a baseline standard of good customer service and at least ONE prominent support email link. I forwarded the issue to the CFPB upon a closer look at the situation. Additionally, I noted that their “loan agreement” grants explicit consent to sell consumer account information to 4+ third party constituents in exchange for use of Grow Credit services. Again, here we are with a lack of transparency and a violation of the 2021 CA consumer privacy act. I’ll wait for proof that all consumers were given an opt out option….