Grow Credit

With over 200,000 downloads, thousands of Americans are using Grow Credit to build credit for free using their subscriptions, no prior credit history required.

Your credit score is different on Experian, Equifax, and TransUnion. Having a strong score on all three matters as mortgage lenders, car dealers, and credit card companies often review more than one to determine a consumer's creditworthiness. Grow helps you boost your credit score quickly on all three.

Grow your credit with your subscriptions in three easy steps:
– Apply for your Grow MasterCard.
– Link your bank account.
– Add your subscriptions: Netflix, Hulu, Spotify, or over 100 others.

Your subscriptions will be billed to your Grow MasterCard, and we’ll automatically debit your bank account every month and report your progress to all three credit bureaus.

A better credit score means lower interest rates on future loans, which could save you tens or even hundreds of thousands of dollars.

Applying for Grow will not result in a hard credit pull and will not affect your credit score.

The press raves about Grow:

Techcrunch.com: Grow "is a pretty elegant way to solve a problem that’s a real barrier to entry for a large number of financial services. Credit scores can impact mortgages, the ability to receive small business loans, and a host of other services that are ways to boost economic opportunity."

Creditcards.com: Grow is "a very useful tool for climbing the ladder and eventually qualifying for a better card."

Nerdwallet.com: "The Grow Credit Mastercard is ideal for those with no credit or poor credit."

Grow offers 5 plans:

* Build Free
– Reports a $204 credit line to Equifax, Experian, and TransUnion
– $17 monthly spending limit
– Option to upgrade to a Grow membership after 6 months of consecutive on-time payments
– Cost: Free

* Build Secured
– Reports a $204 credit line to Equifax, Experian, and TransUnion
– $17 monthly spending limit
– Option to upgrade to a Grow membership after 6 months of consecutive on-time payments
– $17 security deposit required – refundable after 12 consecutive on-time payments
– $12 savings in the first year with one of over 100 popular subscriptions
– Cost: Starts at $1.99 per month

* Build Student
– Only available to current students
– Reports a $204 credit line to Equifax, Experian, and TransUnion
– $17 monthly spending limit
– Option to upgrade to a Grow membership after 6 months of consecutive on-time payments
– $17 security deposit required – refundable after 12 consecutive on-time payments
– $12 savings in the first year with one of over 100 popular subscriptions
– Cost: $1 per month

* Grow
– Reports a $600 credit line to Equifax, Experian, and TransUnion
– $50 monthly spending limit
– Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint)
– $12 savings in the first year with one of over 100 popular subscriptions
– Cost: $3.99 per month

* Accelerate
– Reports an $1,800 credit line to Equifax, Experian, and TransUnion
– $150 monthly spending limit
– Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint)
– $24 savings in the first year with one of over 100 popular subscriptions
– Cost: $7.99 per month

Additional Features
– Plan duration: 12 months – renewable.
– Free FICO Score
– Free credit education blogs and tutorials.

** Effective rate is $1.99 ($2.99 – $1 subscription savings) for the first 12 months then $2.99 thereafter

We look forward to assisting you in your credit-building journey!

Security
• Your data is protected with 256-bit encryption bank-level security, and is never stored on your devices.

This app is operated by Grow Credit, Inc. Questions or suggestions can be directed to [email protected].