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Cheers is committed to building credit on autopilot, empowering 45 million underserved Americans to achieve financial freedom.
130 West union Street, 91103, Pasadena, United States
3.7
9 reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
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I’m using Cheers to build my credit, and my wife is using it as well. We’re also planning to help my father-in-law set up a Cheers account when he moves to the U.S. We’re really happy with the progress we’ve made so far, and building credit is helping us prepare to buy a home in the future, cant wait to see my score reach 700+
I used it for 4 months now and happy to see the score went up 32 points so far and getting some money saved each month. Killing two birds at the same time, nice!
Reply from Cheers
Hi Matthew,
Thank you for your feedback, and we’re sorry to hear about your experience.
We take cancellation requests seriously and want to make this right. Our team will reach out to the account associated with this name shortly to assist you directly. Once we receive your confirmation, we will proceed with closing the account and processing everything accordingly.
We’re sorry to see you go, but we truly appreciate the opportunity to have supported your credit journey. If there’s anything we can do to help you continue building your credit, we’d love the chance to assist.
Our customer support team typically responds very quickly. If you need immediate assistance, please feel free to contact us anytime at support@cheers.credit
Wishing you all the best,
The Cheers Team
I have used Cheers for a few months. The sign up process was easy and smooth. After I opened the account, I didn’t need to do anything else. Just make sure my bank has enough funds for the monthly payments and my credit score already increased by 10 points!
I'm new to the US and can't get a credit card from Chase to begin building my credit, but since using Cheers, my credit score has increased 30 points!
As an international student, I just got my SSN and was rejected by several traditional banks when applying for a credit card. SUPER glad that I found Cheers. It actually helped me start building my credit from scratch. Very helpful and highly recommended for international students!
So, I'm giving this "credit builder app" a one star (they're lucky I can't give them a zero star). Since I enrolled in their program they have taken plenty of payments but nothing reported on my credit report. I've tried to reach out to their customer service but no response. I've tried reaching out on social media. I've tried contacting the financial institution that supposedly has my money and backs this fin tech company. Nothing. The website says cancel anytime but there is no one to talk to, no app to chat on....I can't believe I didn't do my due diligence. There is no app, no phone number, no customer service, nothing but just taking my money every month. I continue to have hope that this company will come to their senses but I've given up. This is just another scam company that is worth nothing to invest in or be affiliated with.
Reply from Cheers
Dear Christopher,
We’re very sorry to hear about the issues you experienced with your Cheers account. Our data reporting team has confirmed that your payment activity was reported multiple times to the credit bureaus, as payment history is a key factor in building credit.
At Cheers, users can cancel at any time. Our records show that we sent you an email on 12/17/2025 regarding your inquiry and were awaiting your confirmation; it’s possible that message was missed. Please rest assured that we have now closed your Cheers account per your request.
Your refund is being processed and should be received within 3–5 business days. If you have any additional questions, feel free to contact us at support@cheers.credit
.
Again, we sincerely apologize for any miscommunication. We are continuously working to improve our service and hope we may have the opportunity to earn your trust again in the future.
Best regards,
The Cheers Team 💚
After using Cheers credit builder, my credit score improved significantly and I was able to get a very good rate for my car loan. Cheers!
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