Credit Strong Shoal Creek Blvd, Austin

As badly as I need to do some credit repair, I sure am glad I checked out these reviews before I signed anything and made my first payment. I've been pretty lucky so far and have gained several points on my own and an almost to my goal in less than a year. I definitely don't think paying in for months and having the return be such a hassle is a good plan. Credit strong I'm sure you have good intentions. However it just makes sense to have some better perks and honest business ethics when it comes to messing with folks money in this day and age

Be aware of working with a col hearted company. I opened the account on a Sunday and decided this would not be a good fit for me at the moment. I was considering using them in the future. I called and cancelled less than 24 hours and they took the 90$ admin fee. I asked to speak to a manager and said they could not reverse the amount. I am part of a business group that has over 8000 people and was discussing how this could be a great opportunity for us small business owners. I will not suggest anyone join this program. If they are a business that do not understand what it is like to help others, I do not want to be a part of it. I will be passing my experience along to my business group.

I just started in March and my first payment was reported to the bureau’s today and my credit score increased 25 points. I am extremely satisfied at how simple the process is. I started with the $1,000 for $15 a month on autopay, and I couldn’t be happier. This is exactly what I needed and to see the improvement just makes me so much more excited for the future. Thank you credit strong 💪💪❤️

I do not recommend this company. I didn't notice much change and my score and the interest rates are ridiculous. I've paid $1,200 in just to get $600 back at the end is robbery. I thought you was supposed to be saving money while building credit. It's honestly not worth the hassle, you have to call to ask for your money back.

So far my credit has went up 57 points in 4 months. I see the negative reviews but I have all positive. If your goal is to increase your credit score pay on time and that’s it. Watch your score go up. I’m very happy with them thus far.

I thought that this would help build a long credit history as promised. All this is is a high interest payday loan but worse. I got this to help improve my credit but it's hindering it. BEWARE!!! YOU are Locked in for 10 years and no payoff. You owe the FULL AMOUNT NO MATTER WHAT!!! Which is DOUBLE!!! HUGE mistake. I have made great choices when it has come to repairing my credit but NOT this one. Stay AWAY!

After making 13 consecutive payments and not seeing the loan amount drop i was wondering what was going on I think I joined so long ago that the terms and conditions changed without my knowledge. My credit score really did not improve much since the loan amount has not dropped much after 13 payments. I think the interest rate is what is killing it. I don't think their was one when I started. But yeah $195..... Well spent???? I don't think so. I'm like so done with credit anyways it's such a fraud. Email that was sent and I was not sure what was going on but around this time is when I saw changes to the website and what account I signed up with. This was not the account I originally signed up for. It took me a while to figure out what was happening and it wasn't until I started reading reviews. Now I know why this was not helping my profile but was hurting it. This is robbery...... In an effort to better serve all of our customers and create better products, we are updating the Account Terms & Conditions effective March 25, 2021, as well as the Electronic Funds Transfer Agreement and Disclosure. Now that I cancelled my account they are only willing to return less the $50.......out of $195 Om NOOOOOOO. This is not what I agreed to and now I need to do a full investigation and dispute. I signed up for a credit builder account not a loan and the terms and conditions certainly were changed. Just did not notice the email until now. But I was wondering why the website completely changed. I never really logged in because I had autopay on. After I singed up in January by February the terms changed. So they changed my account to where I would never pay the "loan " off and would never get my money back. Glad I noticed now then never. The email that stated the update to terms and conditions was in my spam folder so I never saw it or opened it so it was changed without my knowledge. Can you show me the contract I signed??????? I have to file a few complaints for sure.

I want to thank everyone who wrote a review. I almost used this company for my new business. Everyone complaints are consistent, one after another 1 stars saying rip off. Not a savings and to add to it. This company has put multiple people's payment history online while responding to the complaints (very unprofessional) one my wonder if that's even legal. I would say it's not, but I'm no lawyer. I would seek those with a immature response like that to seek legal counsel. I certainly would even if it was harmless to you the fact that they believe they can do that and embarrass you, and others by doing so. I've never heard of a company who throws you under the bus strictly because you complained. My business and businesses I own respond clean and maturely attempting to reach a understanding and mutual agreement if possible. Instead this very unprofessional seeks to embarrass and humiliate others. Seems like on a regular basis. This may be flagged and removed. I'm sure and if that's that case it's OK. I just want to that everyone, and it is a review on the company whether I chose business or what I saw as someone seeking to do business.

Do not use them to build your credit. I’ve been with them over a year paying consistently and my score went up maybe 30 points at the most AFTER A WHOLE YEAR!!! Also they only report to equifax and transunion not experian so don’t expect an increase there nor your fico score. On the last month I was with them missed one late payment and it dropped my score 72 points on transition and equifax which is lower than what I had previously before using them!!!! Plus I closed my account and after a year of paying they told me I would only receive $21 of my loan amount back. Like are you serious! Huge scammers!!! Do not use them AT ALL!!!

Not worth it. Score will increase, but not by much. And you will lose a large portion of your payments when you close. I paid $15 per month for almost 2 years and closed due to, no longer needing this program. I received back a measly 80 bucks. I do not recommend to anyone

Don’t listen to the negative reviews, they didn’t read the terms and conditions which is basically if you close your account early you won’t be getting the full amount back at the end. This company is great and my credit score keeps rising! Thank you!

1. DO NOT DO BUSINESS w/Credit Strong (a division of Austin Capital Bank) has the right idea but is very loan sharkish in their methods and tactics. They say no prepayment penalties, but you still owe all finance charges if you pay your loan off early! 2. They profit from poor people in desperate financial situations (myself included). Avoid this company!! There is a thin line between theft and what they offer. They think poor people are uneducated and won't sue them for their unethical business practices. YOU PAY: 120% payment for ten years! After you are paid in full, you will get ~60% of the principal. $25 one-time administration fee + 6% - 15% interest + 30% or more in finance charges + only 75% of payment is principal 3. I was referred to Nav by my credit repair specialist. Then, Nav referred me to Credit Strong. I was denied an account the first time. Then I asked them to show me the explanation on the adverse notification, but they refused to show me the disclosure - shady. 4. Credit Strong/Austin Capital Bank is not transparent about its schemes. During signup, I read all the documents. But, it wasn't until afterward that the actual terms were uploaded to reveal my interest rate is 6%, but the records show I'm paying over 30% in finance charges - shady. 5. The contract says the interest rates will change daily; this is supposed to be a CD account with fixed rates. They say it's the market; if that's the case, my savings interest should also fluctuate. I pay over 30% in finance charges & interest rate on loan, but the savings interest remains at just .01% - Shady.

You can use thus program even if you are in an active nondischarged bankruptcy. All that you are doing us depositing money into a savings account & it reports as an installment loan. I highly recommend this.

I just barley opened an account tonight and then sadly have read all the reviews. I'm so sad. I thought this is legit. I'm going to Cancel and get a new bank and card tommrrow. I'll ask a family member lawyer why they are able to get away with this kind of stuff. This world is sad. Eventually they'll get a bad enough reputation and just go broke.

You offer to build credit based off Business EIN but ask for personal social security number. That's false advertising. I want to delete my started account but I have no option to!

this company is ripping people off and legally stealing their money with high interest rate on money that you do not get till the end of the term however long that may be. they robbed me for well over a thousand dollars just to save my own money and then give it back. you are better off getting a self lender account less interest and more helpful. and self lender gives you a secure card to utilize why u save!!!!credit strong is a horrible company; if i could give not stars I would

I kept my account for a year closed it out they charge you double intrest on you own money an if you late the will also add a derogatory remark on you account!

Completely disappointed at my end process. This is one of two companies I used and the end process of receiving your money doesn't compare. I'm actually extremely dissatisfied at the end process even if it were the only company I tried. For the record, I saw my loan completely through with both companies. It was a two year process with CS (2000) and a one year process with Self (1000). So my commitment is not the problem. Their antics at the end are ridiculous. I'll get my money and it helped my score. So okay. But never will I recommend. Use Self. Same thing with no BS at the end

My experience is pretty much the same as previous reviews I wish I had looked at those first. But gladly I fid not invest as much with credit strong. I'd recommend self if looking to boost credit and at least if you cancel due to whatever reason they give all that you invested. I've had to cancel with them before and my experience was way better then credit strong.

Ive been using this company for almost 2 years now in June. I’m very happy with the consistent reminders for payments and the affect it had on my credit score. It was the installment loan I needed on my credit. I am very very happy with the fact of finishing saving my $1000 after 2 years. I will be doing another loan for a higher amount now that I am better off financially. Thanks CS! Just wanted to add to this review since my first loan is now paid off! It was deposited in my bank account 1 business day after requesting it! Very very happy with the service and have started another loan! This definitely helped me build my credit but even more than that just padded my savings account even more! I will literally do these loans forever!

It's very sad that I have canceled my account to receive the proceeds early only to learn that now out of the $210 I have paid and thought I was saving, I will only receive $68 and some change after paying in $15 each month for 14 months. This means your company charges struggling citizens over 60% of their savings for your services which is highway robbery. I will review this on Google so that many people know what they are signing up for. Wow! If all you are trying to do is boost a credit score then good but if you want to net a savings , not so good since the company charges most of what you have put in.

I’ve made 20+ ON TIME payments to this company over the last year and a half. On 7 of my payments have reported and the balance they are reporting is incorrect. After various emails and phone calls I was assured my issue would be corrected. Well, a month later the problem is still not resolved. I reached out a week ago via phone and was assured the issue would be resolved and there’d be some follow up. Still nothing. I’ve since sent two email to no avail. STAY AWAY. stick with self lender. Save yourself the trouble

I’m so HAPPY/RELIEVED I read the reviews before signing my business up with this company. I find majority of the reviews disheartening & shown lack of empathy on behalf of credit strong! I’m glad I took my business to Seedfi & Self Lenders/Excellent companies. My credit score went up over 100 points within the year & I saved over $1000 with them both, received all my money, and I was able to get a secured card with Self Lenders. I hope all those with complaints, which seems to be the same; contact the BBB/BETTER BUSINESS BUREAU to FILE A COMPLAINT! There needs to be an investigation pertaining to this company/credit strong. Shame on you/credit strong and remember KARMA comes back 20 times harder!! No need to reply… you will NEVER get my business and I will spread the word….NOT TO DO BUSINESS WITH YOU!! SMH😡

Ok so i'm not one to make reviews but there are a LOT of negative reviews on here. I signed up back in late 2019 for the 1k plan for 2 years. I had to close my account up early to pay some debt but I was 7 payments away from completing it. I paid $50 every month on time and everything. For my 17 on time payments i had accumulated $677 and had $322 left to completely pay it off. They let me close the account at $677 and it was marked as paid in full (so no need to pay off the $322). 6 days after closing my account my funds were released and i withdrew the amount stated that i saved up. I got the entire $677 and some cents. I don't know how everyone else is saying they're getting back substantially less but i always paid my balance and 98% of it went towards the principle of the loan. Now, my credit didn't really ever go up but that was a fault of my own for getting into some debt. This is basically a savings account you can't touch until you've paid off the whole loan. You can close it early without any penalty or fees, but all in all i got all of my money back from this and i do recommend it for anyone looking into something like this. It did report to 2 of my credit bureaus but i haven't checked if it showed up on the 3rd one. *Edit* So there are 3 different plans. I chose the savings plan and i got back the entire amount i had saved up. Read the plans carefully and choose what you think is best for you. I very much recommend this company. The people who lost out on money most likely did not choose the right plan or didn't pay more towards the principle of the loan.

I'm pretty sure this did more damage to my credit approval than good since it showed up as a debt on my credit report. When I explained the product to a lender - it sounded really sketchy, because it is a sketchy product. I don't believe any gains in my credit score can be attributed to this since it's closed and won't report to the credit bureau for another month or two. The interest rate is a joke. Be sure to read how much you end up paying this company if you close before the "full benefits of the program on your credit score are realized." It's like over a thousand more than you are actually lending them, yet it shows up on my credit report as a debt! Find another way to raise your score because this is sketchy and just so wrong.

I paid 110.00 a month for 8 months. I also paid 3.99 to make the monthly payment. Total paid fir credit boost was 912.00. My score has gone up 2 points since I started so I decided to cancel. I’m now only receiving 395.00 of my money back, if I don’t get charged for the money transfer! Avoid this process. There are much better places to improve your score at a much better price.

Exactly as described! Reading is fundamental. I saved my money in an account that I couldn't touch until I saved the specified amount. When I reached the specified amount my account was unlocked my money was then released. No problems. My credit score did increase because I made ontime savings payments every month. It is your money you're saving. In essence, you're saving your money with this company in order to help raise your credit score. The company reports your ontime payments to the credit bureaus. I like this program so much that I have made referrals to friends. Actually I'm going to start another savings account.

This is a scam !!! It's not a loan . What they do is take your money out of your account and maybe give you one fourth of it if you're lucky later . Do not be fooled.i don't think this company understands that loans is where the give you moneyand you pay back with interest. Not they take your money and charge you for taking your money. All the good reviews are payed for on here. And the business reply is a joke . Something needs to be done about this company. I thought robbery was illegal.

This Company is a scam in order to get money from people whom is already struggling and trying to build there credit. I was with this company for over a year and went to withdraw my money and they keep over 70 percent of your money. They take interests on money you don’t have and they are getting rich off us.

I am so disappointed in this program !! I can’t recommend this program if you cancel they keep the majority of your money. So disappointed they got me for a couple of hundred.. The two good thing is they report to the credit agency and you can cancel account at any time . I would not recommend.

AVOID!! if i could give zero stars, i would. this company is a scam. they take more than half of your payment and put it towards interest (aka their fees to keep the company running). i paid $30 a month for 6 months and when i decided i didnt need the account anymore they gave me back $70 out of the $180 i put in. customer service is awful also, the guy i spoke to had this smug attitude like oh well, i dont care if you dont like that we stole your money.

I’ve been with cs about 4 months now and I’m just seeing these reviews. Now I’m worried about my money I’m not gone cancel but the do seem a little sketchy and out of all the reviews I’ve seen cs is giving the exact same generated answer to every review.

You offer to build credit based off Business EIN but ask for personal social security number. That's false advertising. I want to delete my started account but I have no option to!