Fix bad credit, build good credit.
It's that simple
Rebuilding your credit and finances can be hard. Don’t do it alone.
Resolve items hurting your score and build positive payment history, take control today!
68%
Members
Increased their score in 30 days**
+32
Points
Avg. increase in scores in 30 days**
Join the thousands taking a simpler path to better credit
Try Cambio for free, no card or payment required!
CambioTM is a financial wellness company, not a bank. Banking services provided by Services Credit Union.
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No more guessing, take control of your credit
Manage your credit
Access your credit score in seconds, updates monthly. Manage and understand what is impacting your credit score.
Resolve hurtful items
Negative items on your credit report can impact you for 7 years. Auto-identify and resolve items hurting your credit score.
Build your credit
Get a credit builder loan, no credit check or deposit needed. Build positive payment history to grow your score while you grow your savings.
How Cambio Works
Get your free credit analysis in minutes!
Get your latest credit score through a soft pull (that doesn’t harm your score), and understand how you can improve your credit score.
All in less than 2 minutes!
Get your free credit analysis in minutes!
Get your latest credit score through a soft pull (that doesn’t harm your score), and understand how you can improve your score.
All in less than 2 minutes!
Deal with items hurting your score
Auto-identify items that are hurting your score and dispute them directly on the app!
Track your progress, most members start to see results in less than 2 months!*
Deal with items hurting your score
Auto-identify items that are hurting your score and dispute them directly on the app!
Track your progress, most members start to see results in less than 2 months!*
Build your credit, while you save
Make monthly payments and each payment is reported to the major credit bureaus. After 12 months, you’ll have paid off the loan and have money in a savings account!
See your score increase by as much as 50 points**, no credit check or initial deposit needed!
Build your credit, while you save
Make monthly payments that are reported to the major credit bureaus. After 12 months, you’ll have a paid off loan and extra money in the bank!
See your score increase by as much as 50 points*, no credit check or initial deposit needed!
Earn rewards as you improve!
Earn chances to win cash prizes when you take action to improve your credit score!
Earn rewards as you improve!
Earn chances to win cash prizes when you take action to improve your credit score!
Refinance expensive loans and achieve your goals!
Stick to the plan to access benefits like credit builders, refinancing, and affordable lending!*
Refinance expensive loans and achieve your goals!
Stick to the plan and access benefits like credit builders, refinancing, and affordable lending!*
Try Cambio for free, no card or payment required!
No catches, simple transparent pricing
Try Cambio for free, no card or payment required!
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TransUnion® credit report and score (first 3 months)
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Free automated credit analysis
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Free money management training
FREE
- 3 months of credit analysis
- Credit report from TransUnion®
Premium
- Monthly credit report from 3 bureaus
- Monthly credit analysis
- Credit builder loan*
- ID theft insurance & up to $1m restoration
- Dispute negative items at all 3 bureaus
Basic
- Credit builder loan*
- Monthly credit report
- Credit score from Transunion
Included in your Subscription
No hidden or surprise fees, no opening balance, no ChexSystems®, and no hard inquiries
CambioTM Credit Builder
Build savings, while growing your credit!
Get a loan where the full amount gets locked in a savings account.
Your payments get reported to the credit bureaus.
Unlock your savings when your loan is paid in full.
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No credit checks
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No application or admin fee
Improvements are not guaranteed. Results may vary.
Rebuild Credit with Credit Manager
Remove inaccurate negative items from your report like collections, charge-offs, and more!
The simplest way to resolve negative items impacting your credit report and improve your credit score.
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Auto-detect items hurting your score
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Improve your chances of increasing your credit score
Improvements are not guaranteed. Results may vary.
Money Management
Rebuild your finances with CambioTM Money Guide. Get lessons that help build your money skills and can help you rebuild your credit.
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Complete daily and weekly tasks to build your skills
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Complete tasks to create cash flow
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Complete tasks to pay down debt
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Complete tasks to make on-time payments
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Complete tasks to manage spending
Identity Theft Insurance
Up to $1M of protection against identity theft and white-glove restoration.
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Up to $1M ID Theft Insurance and Restoration
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Dark Web Monitoring
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SSN Monitoring
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Change of Address Monitoring
FAQs
A credit score is between 300 and 850, and represents your credit risk, or the likelihood you will pay your bills on time.
Cambio provides a VantageScore from Transunion. Factors include:
- Payment history (40%, extremely influential): are you paying your debt and bills on time
- Credit age and mix (21%, highly influential): the age and type of loan accounts you have
- Credit utilization (20%, highly influential): the amount of credit you’ve used
- Balances (11%, moderately influential): current unpaid debt
- Recent credit applications (5%, less influential): how many new applications for credit have you applied for recently
- Available credit (3%, less influential): how much of your available credit are you using
A good credit score can:
- Get you lower interest rates on loans
- Help you refinance high-interest loans
- Help you get approved for rent
- Help you borrow money for a home
- Get you a lower monthly premium on insurance like auto insurance
- Impact your chances of getting a job
Most traditional banks and lenders want a credit score above 670 to be considered reliable
Hard inquiries (aka hard pulls) generally happen when a bank or lender, checks your credit when making a lending decision for a credit card or loan. A hard inquiry could lower your scores by a few points, but multiple hard inquiries in a short period could have a bigger impact on your score.
Soft inquiries (aka soft pulls) generally happen when a person or company checks your credit and DOES NOT impact or hurt your credit score. Cambio only performs soft inquiries when providing you access to your credit report.
All users get the following services for free from Cambio:
- Money Manager: tool to help you budget and manage your money
- Credit Score: get a Transunion VantageScore for the first 30 days of your membership
- Automated credit analysis: understand what is hurting or helping your credit score
Credit Manager helps you identify items hurting your score. You are given the tools to put you in control to resolve inaccurate items that are impacting your credit score with the bureaus.
We will help you track results every 30 days by refreshing your credit report. Credit Manager saves you over $1,000 a year to help resolve issues on your credit report.
Resolving inaccurate items can help you improve your Vantage credit score.*
Using Credit Manager does not guarantee an increase in your credit score, and individual results may vary.
Credit Builder is a smart way to build credit and grow your savings. Here’s how it works:
- We put aside money in a locked savings account and issue you a 12-month small loan.
- Each month you make a payment, we report that payment to the bureaus. These payments help you build your credit!*
- After your loan Is paid off after 12 months, you’ll have paid off your loan and built a saving for yourself.
The best part is you can see improvements on your score because you show payment history, credit age/mix, credit utilization and balances.
Using Credit Builder does not guarantee an increase in your credit score, and individual results may vary. Other factors can affect your credit score, including performance on other credit accounts.
Identity Theft Insurance is a service included for Plus and Premium members. It helps you restore your identity when your identity is compromised. With Identity Theft Insurance, you get:
$1M Identity Theft Reimbursement: Our Identity Theft Reimbursement, with zero deductible, reimburses you for expenses related to identity theft restoration, including replacement of documents, traveling expenses, loss of income, child/elderly care (incurred as a result of identity restoration), fraudulent withdrawals from a bank account, and legal costs.
Lost Wallet Assistance: Our restoration specialists will help you quickly cancel and replace all items commonly carried in wallets and purses including:
• Credit cards
• Debit cards
• Passports
• Military identification cards
• Driver’s license
• Social Security cards
• And More!
Identity Restoration Services: Our Identity Restoration service assists with the identity restoration process by providing step-by-step instructions you can easily follow to repair and restore your identity.
Cambio does not require a credit check to open a membership. As a part of joining Cambio, you do get access to a free credit report via Transunion. This will NOT impact your credit score, since this is a soft pull of your credit.
Try Cambio for free, no card or payment required!
Over 100 million Americans need a way to rebuild financially
You aren't alone, Cambio is by your side to help you rebuild safely!
High-grade security
Your data is protected by 256-bit encryption, the same security as a bank
Your data is YOURS
We do not resell your data to 3rd parties