Grow Credit Hack 4.4.0 + Redeem Codes
Build Credit for Free
Developer: Grow Credit
Category: Finance
Price: Free
Version: 4.4.0
ID: com.growcredit.prod
Screenshots
Description
With over 400,000 downloads, Grow Credit, featured on the 2022 Forbes Fintech 50 and recognized as one of America's most innovative companies, helps consumers build credit for free using their subscriptions, with no prior credit history required.
As featured in the App Store “Hot This Week” section.
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, Disney+, Hulu, Spotify, HBO Max, 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.
We recommend using Grow alongside Rocket Money and Credit Karma.
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 4 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
- Cost: $2.99 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)
- Cost: $4.99 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)
- Cost: $9.99 per month
Additional Features:
- Plan duration: 12 months - renewable.
- Free FICO Score
- Free credit education blogs and tutorials.
We look forward to assisting you in your credit-building journey!
Bank-Level 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].
As featured in the App Store “Hot This Week” section.
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, Disney+, Hulu, Spotify, HBO Max, 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.
We recommend using Grow alongside Rocket Money and Credit Karma.
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 4 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
- Cost: $2.99 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)
- Cost: $4.99 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)
- Cost: $9.99 per month
Additional Features:
- Plan duration: 12 months - renewable.
- Free FICO Score
- Free credit education blogs and tutorials.
We look forward to assisting you in your credit-building journey!
Bank-Level 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].
Version history
4.4.0
2023-06-13
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Bug fixes and performance enhancements
- Bug fixes and performance enhancements
4.3.0
2023-06-01
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Bug fixes and performance enhancements
- Bug fixes and performance enhancements
4.2.0
2023-05-10
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Bug fixes and performance enhancements
- Bug fixes and performance enhancements
4.1.0
2023-04-17
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Bug fixes and performance enhancements
- Bug fixes and performance enhancements
4.0.0
2023-03-15
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Bug fixes and performance enhancements
- Bug fixes and performance enhancements
3.4.0
2023-02-21
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Bug fixes and performance enhancements
- Bug fixes and performance enhancements
3.3.2
2023-02-14
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Minor enhancements and improvements
- Minor enhancements and improvements
3.3.1
2023-02-10
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Minor enhancements and improvements
- Minor enhancements and improvements
3.3.0
2023-02-01
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Support for Secured Student Plan
- Login multi-factor authentication support for email and SMS
- Support for Secured Student Plan
- Login multi-factor authentication support for email and SMS
3.2.0
2023-01-05
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
- Onboarding improvements
- Bug fixes and performance enhancements
- Onboarding improvements
- Bug fixes and performance enhancements
3.1.0
2022-12-14
What’s New:
- Updated customer support link
- Minor fixes and performance improvements
- Updated customer support link
- Minor fixes and performance improvements
3.0.0
2022-11-28
What’s New:
- Ability to make payments with a debit card.
- Ability to make annual fee payments.
- Improvements to onboarding flow.
- Ability to make payments with a debit card.
- Ability to make annual fee payments.
- Improvements to onboarding flow.
2.19.0
2022-10-17
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Allow access to contacts in iOS 16
* Minor improvements and text changes
* Allow access to contacts in iOS 16
* Minor improvements and text changes
2.18.1
2022-10-04
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Minor improvements and text changes
* Improved update experience
* Minor improvements and text changes
* Improved update experience
2.18.0
2022-09-28
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Minor improvements and text changes
* Minor improvements and text changes
2.17
2022-09-19
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Added security improvements
* Minor improvements and text changes
* Added security improvements
* Minor improvements and text changes
2.16
2022-08-18
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Added login security improvements
* Minor improvements and text changes
* Added login security improvements
* Minor improvements and text changes
2.15
2022-08-15
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Added login security improvements
* Minor improvements and text changes
* Added login security improvements
* Minor improvements and text changes
2.14.1
2022-07-25
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Minor improvements and text changes
* Minor improvements and text changes
2.14
2022-07-22
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Added account deletion feature
* Minor improvements and text changes
* Added account deletion feature
* Minor improvements and text changes
2.13.1
2022-07-18
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Minor improvements and text changes
* Minor improvements and text changes
2.13
2022-06-28
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Minor improvements and text changes
* Minor improvements and text changes
2.12.3
2022-06-20
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Minor improvements and text changes
* Minor improvements and text changes
2.12.1
2022-06-01
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Fixed bug in manual payments
* Fixed bug in manual payments
2.12
2022-05-24
Over 100 million Americans have thin or no credit, and we are constantly working to deliver new and effective credit-building solutions. Here’s what’s new in this version of Grow:
* Improved server notifications
* Improved server notifications
Ways to hack Grow Credit
- Redeem codes (Get the Redeem codes)
Download hacked APK
Download Grow Credit MOD APK
Request a Hack
Ratings
4.7 out of 5
5 937 Ratings
Reviews
Stryder1017,
Awesome App, Even Better Service
I saw an ad for this on Instagram and thought it was too good to be true, and I was told if it is it’s probably true but Grow Credit doesn’t fall into that category. It’s so easy to use, there’s no scam or credit checks, it’s a brilliant idea! How did no one think of this sooner? Right now I have my Netflix hooked up to it. The max is $15, not much, but it’s something! I’m sure you can even put two on there if had some base plans but most people don’t these days. Thanks to their automatic withdrawals it’s so easy to never miss a payment since it just comes right out and it’s all reported.
Growing credit is a marathon not a sprint. I’ll admit i made some poor credit decisions back in the day and I’m paying for them (literally) but something like Grow credit really helps in adding a little extra something and every little bit helps.
The customer service team is awesome too. The only one snag I had was that my Netflix came due before my Grow Credit payment but their team was quick to rectify this and it was all set from there on out. I can’t say I’ve had any issues really. It’s a great way to set it and forget it. I can’t wait to upgrade to throw some more on there and hopefully raise my score a little more!
Growing credit is a marathon not a sprint. I’ll admit i made some poor credit decisions back in the day and I’m paying for them (literally) but something like Grow credit really helps in adding a little extra something and every little bit helps.
The customer service team is awesome too. The only one snag I had was that my Netflix came due before my Grow Credit payment but their team was quick to rectify this and it was all set from there on out. I can’t say I’ve had any issues really. It’s a great way to set it and forget it. I can’t wait to upgrade to throw some more on there and hopefully raise my score a little more!
TristanCajar,
Stroke of Genius!
Great response time, and a really good understanding of my questions. Repairing one’s credit is like regaining one’s health, with the help of a skilled practitioner, one gets better. This program feels like it will help me get better with my FICO score. Just knowing about background reporting has made me more confident that my arsenal of credit building tools is having a real impact. The system in place to pay monthly subscriptions using the Grow Credit credit card ensures a smooth payment process which in turn becomes reported on time payments. Easy to set up and having a well designed interface, iPhone in my case, makes this a no brainer considering how little needs to be done with Grow Credit to raise one’s credit- points in the Fair Issac Corporation’s credit report translate into $$$ savings in Interest rates when applying for loans, credit cards an other credit products. In short, better credit score=lower total cost of loan due to lower interest rates. A superlative product for the price paid!
READ CLOSELY,
Scam BEWARe
My fiancee and I are truck drivers so we have well over $10 in our bank accounts at all times. The few is (9.99). Yet, they are trying to claim even with bank statements that her payment failed. Both of us have been trying to get in contact with them and they are unresponsive. The only way to contact them IS THROUGH CHAT. BEWARE. My fiancee has no subscriptions coming out of the account so she wants to close the account seeing as they are trying to ruin her credit by making it impossible to make a payment. They are doing so by not allowing the “make a payment” button to be active on the website or app. It's as if they are trying to set her up to fail and we have screen recordings of all of this as well as there unresponsiveness and inability to solve a simple question with an answer. They immediately redirected her instead of answering her questions. I'm soon to close my account as well. NOW I have to reach out to several family members and tell tyem the app I referred isnt everything I hoped to be. Because if they are being this way with her when the ERROR is on them, I would hate to see what they do when they mess up my account or theirs. I don't have time to babysit this, when I came to grow to help not harm my credit score.
JDenver88,
⬇️ Utilization & Fees ⬆️ FICO Score Increase
This app has it all. It builds credit, it’s easy to use, the customer support is fantastic, and there are no outrageous fees. I have been using it for 8 months now. I have the highest tier plan and use it to pay my cell phone bill monthly. Everything works smoothly and I have seen a positive increase in my credit score. Keep in mind, when you open a new account your credit may go down at first (due to length of credit history and the new account factoring into it). But, I highly recommend you give it a try. A few months of consecutive use and on-time payments, combined with the super low utilization they report, your credit score will increase. This app is very well done and I especially love the broad range of subscriptions and other monthly bills you can use it toward.
woke16,
Great app with a few drawbacks
I have been using this app for almost 16 months now. It has helped in increasing my credit score. I really have enjoyed the conscience of it and quick customer response time with it. Recently, I have experienced some issues that I categorize as drawbacks. Within the new app update it has changed some things. I am no longer able to get certain payments processed for subscriptions because they go over my overall balance that gets auto processed paid on time every month. My current balance is still under the monthly limit I have been paying for. I am also bummed out that they haven’t come out with the option of making multiple payments so it could be more convenient to place all my streaming service subscriptions for it. Their requirements for the accelerator level is kind of hard to meet while rebuilding and building credit.
Scott Alabed,
FICO score increased 56 points in 2 months!
I’m beyond grateful, satisfied and almost speechless at how much Grow Credit has helped increase my FICO score! When the pandemic started I along with 500 coworkers was laid off as soon as the covid lockdowns started so without a steady income my only option was turning to high interest credit cards and while that helped with present problems it also created even bigger financial problems for the future and this caused my credit score to drop more and more. Now that I’m working again and after discovering Grow Credit in only 2 MONTHS my credit score has gone up 56 points! I’m so thankful for Grow Credit! I will recommend this app to anyone that needs help re-establishing their credit/FICO score. Thanks Grow Credit!!
James E Levesque,
Awesome credit alternative
This technique for credit is perfect. Paying for the premium where you guys reports $1800 it’s still has not impacted my credit or shown. All it’s done so far is report what I owe, which adds to credit usage. The $1800 has not been added to my credit line. Lastly, I feel it would be more productive if the credit line on the virtual card was at 300 instead of 150 to start just like any secured credit card or a first time card owner. Overall, I love the app and see a lot of productive things in the future with it. The reason I say to start the credit line at 300 is because subscriptions today aren’t cheap anymore. They average anywhere from $5-$100+. Just some food for thought. Keep up the great work.
Luckycutie,
Go another route - not his one
I was excited to sign up for this card. I attached it to all of my streaming subscriptions!
But after that, I can’t log into my app. I’d first like to point out that there is no “remember me” option. You have to skip through the intro everytime - and AFTER I attached my card, the loading time to actually log in is ridiculous. There is atleast a 30 second lag between what I type, and the words showing up on my screen, and when I finally logged in, the loading screen was so long, I had to turn my phones screen back on after it turned off THREE times - and I still wasn’t logged in before the screen shut off a fourth time and I gave up.
And why do I have to pay $5 a month to add my phone bill? Why does that require a premium account? Why am I paying you $5 so I can pay my phone bill?
Just go elsewhere. An account here is a WASTE of time - and a premium account is a waste of time AND money.
But after that, I can’t log into my app. I’d first like to point out that there is no “remember me” option. You have to skip through the intro everytime - and AFTER I attached my card, the loading time to actually log in is ridiculous. There is atleast a 30 second lag between what I type, and the words showing up on my screen, and when I finally logged in, the loading screen was so long, I had to turn my phones screen back on after it turned off THREE times - and I still wasn’t logged in before the screen shut off a fourth time and I gave up.
And why do I have to pay $5 a month to add my phone bill? Why does that require a premium account? Why am I paying you $5 so I can pay my phone bill?
Just go elsewhere. An account here is a WASTE of time - and a premium account is a waste of time AND money.
TheDon111,
*Warning: This Damages your credit score
(Summary: Stay Away, they will damage your credit report, used for 2 years with 0 Credit Improvement. Rate this 0 stars if I could, use ANY alternative)
Why? Per, Grow Credit is the worst company I’ve had the displeasure of utilizing for 2 years now and no loyalty from them, as they have the audacity to list a late payment on my report, even though I owe them 0$ and cancelled every sub going to this fake credit app; which I will contest til my last breath, more below.
As they have the most Stone Age basic payment system where even if one has CASH in their Checking account - the payment encounters an error.
Thereafter, without even a friendly Courtesy, even after disabling every single subscription going to grow credit, and asking them personally to shut down my account… they did NOTHING and now I have to spend my TIME contesting this Bogus late payment.
Thus, I will kindly be pursuing every single avenue of CFPB, BBB, and ALL sources of Consumer Protection to ensure no one else has to go through this Worst in Class: Holistic (all of it) Joke of a App/Scam. In my opinion, these are scammers and they don’t even reach out to their customers.
Stay far far away, I instead recommend Chime’s Credit Builder- that is a Real Credit Improving product. Not this, Be WARY my friends, I hope no one else suffers as I have by the hands of Grow Credit.
Why? Per, Grow Credit is the worst company I’ve had the displeasure of utilizing for 2 years now and no loyalty from them, as they have the audacity to list a late payment on my report, even though I owe them 0$ and cancelled every sub going to this fake credit app; which I will contest til my last breath, more below.
As they have the most Stone Age basic payment system where even if one has CASH in their Checking account - the payment encounters an error.
Thereafter, without even a friendly Courtesy, even after disabling every single subscription going to grow credit, and asking them personally to shut down my account… they did NOTHING and now I have to spend my TIME contesting this Bogus late payment.
Thus, I will kindly be pursuing every single avenue of CFPB, BBB, and ALL sources of Consumer Protection to ensure no one else has to go through this Worst in Class: Holistic (all of it) Joke of a App/Scam. In my opinion, these are scammers and they don’t even reach out to their customers.
Stay far far away, I instead recommend Chime’s Credit Builder- that is a Real Credit Improving product. Not this, Be WARY my friends, I hope no one else suffers as I have by the hands of Grow Credit.
EAM~QQ~,
Buyer Beware - they can force you to use PayPal
I have a year of “late payments” that I just discovered on my credit report, because I paid off (and closed) my account and changed banks - a bank that Grow Credit “does not support”. They apparently had not processed the last charge and therefore charged me another membership fee. These 2 amounts - totaling $7 - have ruined my credit for the last year. They never stopped trying to withdraw funds from my old account, and never notified me of the problem.
Having discovered this, I updated my bank account information in the app - which they accepted - and attempted to make payment - which they denied, because they support the bank but somehow also do not. They are trying to force me to open a PayPal account in order to resolve this “quickly”. Until I do, they will refuse to honor my multiple payments and continue their negative marks on my credit report.
Having discovered this, I updated my bank account information in the app - which they accepted - and attempted to make payment - which they denied, because they support the bank but somehow also do not. They are trying to force me to open a PayPal account in order to resolve this “quickly”. Until I do, they will refuse to honor my multiple payments and continue their negative marks on my credit report.
