Credit Recovery Made Simple 😎
Take your first steps to credit recovery today!
The Cambio Score is a simplified credit score designed to help you understand, build, and recover credit easily.
(Not associated with your FICO score)
Show a network of quality lenders that you can handle your finances.
Don’t know how? That’s what we’re here for!
Build and access credit in as little as 6 months
Open an account and get your beginning Cambio Score
We'll walk you through everything you can do to improve your Score
Earn a Cambio Score of 100 to access credit from quality lenders!
Open an account in just 3 minutes
Improve your Cambio Score
for access to...
Loan Refinancing
Secured credit card
affordable lending
From our network of responsible lenders
Here's how...
We measure four simple factors
Pay bills on time
Spend Smart
plan for the future
pay down debt
Factor 1: Pay bills on time
Lenders want to see you can pay bills on time. We make that easy!
Increase your Cambio Score by paying important bills on-time like utilities, rent, cell phone and debt payments
Use our smart bill pay to not only increase your Cambio Score but earn rewards points at the same time! Win-win
Try Cambio free for 30 days
Factor 2: Spend smart
Show you can manage money like a pro by taking care of the important things in life FIRST
We'll help you prioritize essential expenses over non-essential expenses
Budget like a pro with easy-to-stick-to, automated budgeting.
Try Cambio free for 30 days
Factor 3: Grow your savings
Show you can handle an unexpected expense
Choose from personalized savings strategies to make your money work for you.
Follow our recommendations to earn points that contribute directly to your savings!
Try Cambio free for 30 days
Factor 4: Put a dent in your debt
Prove to lenders that you're in control by paying down existing credit cards
Money in collections? High credit card debt? You're in the right place
Choose from personalized debt repayment plans that work for you. Automate your payment plans and take the stress out of debt.
Try Cambio free for 30 days
