Credit score below 650?

Don’t miss out on your first home or a new car.

Achieve your goals faster with Cambio

Credit score below 650?

Don’t miss out on your first home or a new car.

Achieve your goals faster with Cambio.

Great App
Bashshke
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I’ve raised my scores well over 10–15 points and have only had the app two months.
I love this app!
I love this app!
Erica Manson
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in 45 day my credit score is up 29 points. best decision ever to purchase Cambio.
Great!
Beamer1820
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Allows a lot of opportunities to fix your credit!
Building it up!
Michael Rorie
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Cambio has helped my credit by disputing items on my credit report. I would highly recommend Cambio if your serious about wanting to better your credit
Easy & Simple
Oiram1121
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This is awesome finally I am working on getting myself to a better place!
Cameron VItalec
Amazing App
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they have worked really well to help rebuild my credit so far from a 498-563 in just 3 weeks thank you much
Awesome, Thanks!
hefer86
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Great way to dispute errors and repair credit
Amazing
Kara Wheeler
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Does exactly what it says it will.
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Don't take our word for it

Great App
Bashshke
Read More
I’ve raised my scores well over 10–15 points and have only had the app two months.
I love this app!
Erica Manson
Read More
in 45 day my credit score is up 29 points. best decision ever to purchase Cambio.
Great!
Beamer1820
Read More
Allows a lot of opportunities to fix your credit!
Building it up!
Michael Rorie
Read More
Cambio has helped my credit by disputing items on my credit report. I would highly recommend Cambio if your serious about wanting to better your credit
Easy & Simple
Oiram1121
Read More
This is awesome finally I am working on getting myself to a better place!
Amazing app
Cameron VItalec
Read More
they have worked really well to help rebuild my credit so far from a 498-563 in just 3 weeks thank you much
Awesome, Thanks!
hefer86
Read More
Great way to dispute errors and repair credit
Amazing
Kara Wheeler
Read More
Does exactly what it says it will.
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Let's take care of items hurting your credit score

Collections/charge-offs

These accounts have the largest impact on your credit score.

Late payments

Even one late payment can have a large impact on your credit score.

Hard inquiries

Hard inquiries have a lower impact on your credit score.

A credit specialist in your pocket

Cambio works on your credit so you don’t have to. Here’s how…

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Get your free credit analysis in minutes!

We’ll do a soft pull (that doesn’t harm your score), to find areas of improvement.

All in less than 2 minutes!

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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!

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Boost your score with expert guidance​

Once we know what needs work, you can use the recommended tools to boost your credit score and track your progress!

Most members start see results in less than 2 months*

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Boost your score with expert guidance

Auto-identify areas that need improvement. Use the recommended tools to boost your credit score!

Track your progress. Most members start see results in less than 2 months*

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Build your credit, while you save

Use Cambio Credit Builder loan to add on-time payment history (the most important factor of your credit score) and build savings! 

No credit check or initial deposit needed!

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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!

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Earn rewards as you improve!

We’ll help you stay motivated as you earn chances to win cash prizes 

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Earn rewards as you improve!

Earn chances to win cash prizes when you take action to improve your credit score!

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Refinance expensive loans and achieve your goals!

Stick to the plan to access benefits like credit builders, refinancing, and affordable lending!*

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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!
CambioTM  is a financial wellness company, not a bank. Banking services provided by Services Credit Union.

Managed Disputes Auto-dispute hurtful inaccuracies

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.

  • Auto-detect items hurting your score
  • Improve your chances of increasing your credit score


Improvements are not guaranteed. Results may vary. 

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Protect your credit score from ID theft

Remove your home address, phone number, and other sensitive from across the web. 

  • Removes your personal info from dozens of websites
  • Up to $1M ID Theft Insurance and Restoration
  • Ongoing monitoring and auto-removal for the future
  • Dark web monitoring


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The Cambio 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.

  • No credit checks
  • No application or admin fee


Improvements are not guaranteed. Results may vary. 

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You aren't alone, Cambio is by your side to help you rebuild safely!

Over 100 million have a credit score below 650. We're on a mission to change that.

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

Try Cambio for free, no card or payment required!