Resolve Your Collections Debt with AI

Don't let collections hold you back. Our AI tools make it easy to plan, negotiate, and resolve hurtful collections.

Your Personal Credit Expert.

Join the thousands who have paid off collections, built credit, and recovered financially.

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We make it fast.

Forget the usual months of waiting on collection agencies.1 Our smart tech deals with your creditors quickly so you don't have to!

With Cambio, you get closer to your goals quicker.

We make it easy.

With Cambio, your credit and financial recovery is easy. Our AI, powered by decades of financial expertise, is like having a money expert helping you 24/7.

Reach a healthier financial life with Cambio.

We make dreams real.

Dreaming of lower loan payments or your first home? Our easy to use AI tools fast-track your financial and credit recovery.

Make your dreams a reality with Cambio.

Supercharge your credit

Cambio negotiates your collections to be removed from your report upon payment to boost your score!1

Pay-off your debt

Use AI to save money to pay off collection accounts

Protect your identity

Remove your personal information from the internet

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Money saved annually vs. other providers


Identity theft restoration

Rebuild with Cambio now.

The all-in-one AI credit and financial recovery platform.