Your path to better credit.
Rebuilding your credit and finances can be hard. Don’t do it alone.
Build credit and deal with items impacting your credit. Take back control of your financial life.
Join the thousands taking a simpler path to better credit
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, get your score updated every 30 days. Manage and understand what is impacting your credit score.
Resolve bad 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
Build a positive payment history to grow your score while you grow your savings. Get a credit builder loan, no credit check or deposit needed.
How Cambio Works
Create an account in 2 minutes
Connect your existing bank account or use Cambio as your bank. The choice is yours!
Get your latest credit score through a soft pull (that doesn’t harm your score), and get a refresh every 30 days!
Create an account in 2 minutes
Connect your existing bank account or use Cambio as your bank. The choice is yours!
Get your latest credit score through a soft pull (that doesn’t harm your score), and get a refresh every 30 days!
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!
(coming soon!)
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!
(coming soon!)
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!*
Our Pricing
No catches, just transparent pricing
| NO HIDDEN OR SURPRISE FEES | FREE $0 | PREFERRED $9.99/month |
|---|---|---|
| Money Manager | ||
| Transunion credit report | First 30 days only | |
| Routinues Program | ||
| Cambio Score | ||
| Collections Manager | ||
| Credit Builder (coming soon) | ||
| Identity Protection (coming soon) | ||
| Cambio Debit Card (Optional, click to see fees) | ||
Join today and get Cambio Preferred for only $9.99/month
Included in your Subscription
No hidden or surprise fees, no opening balance, no minimum balance, no ChexSystems®, and no hard inquiries
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
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.
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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.
Protect your credit score from ID theft
Remove your home address, phone number, and other sensitive from across the web.
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Removes your personal info from dozens of websites
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Up to $1M ID Theft Insurance and Restoration
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Ongoing monitoring and auto-removal for the future
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Dark web monitoring
CambioTM Debit Card
Mobile banking to get you back on track! Get a Cambio Reloadable Visa® Debit card. If you select a CambioTM Card, you won’t be able to connect an existing account.
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Simple, smart, automated budgeting
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Pay bills and debt in seconds
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Over 30,000 fee free ATMs
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Add money at thousands of retailers nationwide
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Freeze/unfreeze your card
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Visa zero liability protection on signature transaction
CambioTM is a financial wellness company, not a bank. Banking services provided by Services Credit Union.
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.
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No credit checks
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No application or admin fee
Improvements are not guaranteed. Results may vary.
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
- Routines: tools to help you build better money skills and habits
- Cambio Score: score to help you rebuild your finances
Collections 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. Collections 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 Collections 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.
The Cambio Score is your rebuilding score. We review bank, debt and spending information and calculate a score from 0-100. The Cambio Score helps us better understand your financial health and ways for you to improve your rebuilding efforts. A minimum Cambio Score is NOT needed to have a Cambio membership.
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.
Join today and get Cambio Preferred for only $9.99/month
Over 100 million Americans need a way to rebuild financially
You aren't alone, Cambio is by your side to help you rebuild safely!
Security
Your data has 256-bit encryption, same security as a bank
Protected
We do not resell your data to 3rd parties