cheers.credit

3.9
3.9 Based on 7 reviews

Cheers is committed to building credit on autopilot, empowering 45 million underserved Americans to achieve financial freedom....

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Average Rating

3.9

/
5

7 Reviews

5 Star
71%
4 Star
0%
3 Star
0%
2 Star
0%
1 Star
29%

All Reviews

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Review Time

Christopher Glass
So, I'm giving this "credit builder app" a one star (they're lucky I can't give them a zero star). S

So, I'm giving this "credit builder app" a one star (they're lucky I can't give them a zero star). Since I enrolled in their program they have taken plenty of payments but nothing reported on my credit report. I've tried to reach out to their customer service but no response. I've tried reaching out on social media. I've tried contacting the financial institution that supposedly has my money and backs this fin tech company. Nothing. The website says cancel anytime but there is no one to talk to, no app to chat on....I can't believe I didn't do my due diligence. There is no app, no phone number, no customer service, nothing but just taking my money every month. I continue to have hope that this company will come to their senses but I've given up. This is just another scam company that is worth nothing to invest in or be affiliated with.

1
Date of experience: Jan 24, 2026
joy_taoranliu
Good product

I want to build my credit so I can buy a new car. This product is very easy and straight forward. I opened my account in 10 mins. I have made 3 payments so far and everything seems right.

5
Date of experience: Jan 24, 2026
Elf Dong
As an international student

As an international student, I just got my SSN and was rejected by several traditional banks when applying for a credit card. SUPER glad that I found Cheers. It actually helped me start building my credit from scratch. Very helpful and highly recommended for international students!

5
Date of experience: Jan 16, 2026
Christopher Glass
Cheers is bulls***

So, I'm giving this "credit builder app" a one star (they're lucky I can't give them a zero star). Since I enrolled in their program they have taken plenty of payments but nothing reported on my credit report. I've tried to reach out to their customer service but no response. I've tried reaching out on social media. I've tried contacting the financial institution that supposedly has my money and backs this fin tech company. Nothing. The website says cancel anytime but there is no one to talk to, no app to chat on....I can't believe I didn't do my due diligence. There is no app, no phone number, no customer service, nothing but just taking my money every month. I continue to have hope that this company will come to their senses but I've given up. This is just another scam company that is worth nothing to invest in or be affiliated with.

1
Date of experience: Dec 06, 2025
Chuck Turner
5 stars

Best company out there to help build credit score!!! So thankful I found it

5
Date of experience: Feb 03, 2025
ToxicCheese
Cheers is awesome for building credit

Cheers is awesome for building credit! It made getting started super easy, and I’ve learned a lot about credit along the way. I also love that it helps you save money. Honestly, it’s perfect for anyone who wants a simple way to build credit.

5
Date of experience: Feb 02, 2025
Nicholas Brown
Cheers credit builder works

After using Cheers credit builder, my credit score improved significantly and I was able to get a very good rate for my car loan. Cheers!

5
Date of experience: Jan 13, 2025

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