Credit Strong Shoal Creek Blvd, Austin

Credit Strong Reviews

• W

  William Lynam
  1

  Terrible company. They charged me interest on the money I was paying them and when I closed my account I got $33 back after paying $15/mo on time for an entire year!!! My credit didn’t even go up.

  Response from the owner

  Hi William, We are disappointed to hear you feel this way. You pay interest on your account for the services we provide. Credit Strong's credit builder accounts, like any other installment loans, have a fixed monthly payment throughout the life of the loan. At the beginning of the loan, a higher portion of your payments goes to pay interest, since the remaining loan balance is higher. As you continue through the life of loan, a higher portion of your payments goes towards your principal loan balance. Since everyone's credit profile is unique we are not able to guarantee how your credit profile will be impacted.

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  Wanda Spillman
  1

  Please don’t use the company. They are ripping people off of their money. I have been enrolled over 12 months. I have been off work for over three months and call to close account out. They told me after 11 months of on time payments of $15.00 per month all my money went toward interest and I only have $1.24 cents in saving. This is unbelievable how companies are getting customers money and service is not what it explains to be over time. My credit score probably move one to two points each month. Don’t invest your money in this company.

  Response from the owner

  Hi Wanda, We are disappointed to hear this is how you feel. During the time between a successful payment and the next payment interest does accrue daily. This can begin to add up if payments are late. The interest that was accruing is covered by the savings account when you close your account. That is what caused the low amount returned to you.

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  Carla Hamilton
  1

  I recommend this to my dad, because I read they reported to call 3 credit agencies quickly. But it's going on 3 months and the loan isn't even showing as opened yet , and he got the highest one Magnum auto draft. I should have just gotten him 2 selfs they reported open within 3 weeks and reported the next month.

  Response from the owner

  Hi Carla, We are sorry to hear you feel that way. Typically accounts show up on credit reports within 30-60 days following the first loan payment. We do not report until that first monthly payment has been made and then there is a processing time on the credit bureaus end. The account will appear as Austin Capital Bank SSB when reported. If it has been longer than this timeline, please have your father reach out to our customer service team to ensure his account is up to date. You can reach our team at 833-850-0850 or by live chat at www.creditstrong.com/contact-us Monday through Friday from 7 am to 7 pm central.

• G

  Gloria
  4

  This is part 2 of my review for Credit Strong… my stars went from 2 to 4… and the reason being is the fact that after I had trouble with log-in issues( which caused me to close my account) I did receive my refund from my savings and they did report that my account was closed to the credit bureau’s.. which didn’t have a negative effect on my score. So I’m happy about that… if it hadn’t been for the log- in issues… I would have gladly given them 5 stars.

  Response from the owner

  Hi Gloria, We are so glad to hear that we were able to resolve this issue for you and your credit score remained intact! While we were able to fix this issue, we'd still like to apologize again for the inconvenience it caused you. We greatly value each person we have the opportunity to serve and try to do whatever we can to provide them with an excellent customer experience. We are glad to see that you were able to enjoy your experience with us and hope you'll give us the opportunity to serve you again in the future. Thank you, The Credit Strong Team

• A

  Aviann A.
  1

  Don't trust this company at all. I made about 5 payments and when I stop paying due to lack of income, they took my money away.

  Response from the owner

  Hi Aviann, We are sorry to hear you feel this way. You are able to close your Credit Strong account at any time with no penalties. If you aren't able to make your payments we recommend closing your account right away to avoid accruing more interest. Interest accrues daily with your account which will be paid with your savings account when the loan account is closed. If you have any questions regarding your account our customer service team would be happy to assist.

• B

  Brenda Green
  1

  This company is worse than most Payday loan companies based on interest rate and customer service. To save $1,000, you have to pay $15 per month for 120 months - that's 10 YEARS!! At the end of that time, you will have paid in $1,800, which means you paid in $800 in interest over that time! I don't know of any other company that charges 80% interest. Once you figure out the scam, it's too late to get your information removed from their system in a timely fashion. At first they told me the application would expire in 30 days, then they told me the Patriot Act requires them to keep my information for 7 years. So .... if I ever get my identity stolen this will be a prime place to look for data breeches. This program is a scam. Use Level Credit or Experian boost instead.

  Response from the owner

  Hi Brenda, we are disappointed to hear you feel this way. The interest rate for the Subscribe 1000 account is 13.12%. With long term loans a higher portion of your payments are applied to interest than principal in the beginning. We offer a variety of loan products to best fit the personal needs of each customer. If you were looking for a shorter term loan, we do offer Build and Save accounts which are 12 or 24 month loans. Your application does expire after 30 days, but since we are an FDIC insured bank we are bound by law to keep your information for 7 years. Since we are an FDIC insured bank you know your finances and information are safe and secure.

• S

  Shawn Thomas
  5

  Called in to check my account and spoke to a guy named Matt..he was great with informing me about my account and what my next steps would be and when I can take them. Accidentally pressed a 1 on the survey at the end of the call but meant to put a 5. Deserved that. Thanks Matt!

  Response from the owner

  Hi Shawn, Thank you for letting Credit Strong be part of your credit building journey! We are so glad you had a great experience with our customer service team!💪

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  Miquanna Wilson
  1

  Stay Away..biggest legal scam created..you can save your own money and get back all of your OWN MONEY.find another way to build your credit this is Not It..this was the worst experience I've had with a credit building company.

  Response from the owner

  Hi Miquanna, We are sorry to hear you feel this way. Credit Strong's credit builder accounts, like any other installment loans, have a fixed monthly payment throughout the life of the loan. At the beginning of the loan, a higher portion of your payments goes to pay interest, since the remaining loan balance is higher. As you continue through the life of loan, a higher portion of your payments goes towards your principal loan balance. The interest is part of the account and goes to us for the services we provide when you have an account with us.

• J

  Jay White
  1

  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!

  Response from the owner

  Hi Jay, We are disappointed to hear you feel this way. Our interest rates range from 5-15% depending on the account you select. Credit Strong's credit builder accounts, like any other installment loans, have a fixed monthly payment throughout the life of the loan. At the beginning of the loan, a higher portion of your payments goes to pay interest. As you continue through the life of loan, a higher portion of your payments goes towards your principal balance. We are legally obligated to report your payments accurately, so if you are late on your payments and outside of our grace period your account will be reported as late for that payment.

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  Tommy Guillena
  1

  DO NOT USE THEM I PAID OVER $200 AND THEY GAVE ME BACK $50 , THE AMMOUNT OF MONEY YOU PUT INTO THIS YOU CAN HIRE A CREDIT REPAIR COMPANY TO HAVE YOUR CREDIT BE FIXED , AND MIND YOU THIS COMPANY DID NOT HELP MY CREDIT AT ALL , DO NOT USE THEM I CANT STRESS THIS ENOUGH ITS PRETTY MUCH A SCAM

  Response from the owner

  Hi Tommy, We are disappointed to hear you feel this way. Credit Strong's credit builder accounts, like any other installment loans, have a fixed monthly payment throughout the life of the loan. At the beginning of the loan, a higher portion of your payments goes to pay interest, since the remaining loan balance is higher. As you continue through the life of loan, a higher portion of your payments goes towards your principal loan balance. Since everyone's credit profile is unique we are not able to guarantee how your credit profile will be impacted.