Cheese: Credit Builder Account

Our family is planning to buy our first house next year. All of my friends tell me that a good credit score will save a lot of money by getting a better mortgage rate. Due to bad spending budgeting and habits in the last two years, my credit score was down to 692! Improving my score became my new year resolution of 2023. As a Cheese debit card user, I trust this company for its customer support and product. So, I registered my Credit Builder account as soon as I got the email invitation. The registration process took only 3 minutes and I got the credit builder loan. Today, I found my credit score increased by 58 points both on Equifax and TransUnion. It only took 45 days and my credit score is 750 now!!! And, I don’t even need to do anything after connecting my bank and it automatically put my monthly payment as my saving. I am sharing this with my best friends and 5 of them are Cheese happy users now!

As another reviewer I only put five stars so my review would be seen. I had money stolen from my account, recently for the second time. Cheese has horrible security and worse customer support and to add insult to injury the thief added themselves to my contacts in my cheese account and I can’t delete them! I contacted support on several occasions and their response was we can’t dispute transfers, even though I received an email after the thief stole money from my account which stated from Cheese: If you did not authorize this transaction use the link below for support and that’s just what I did, only to be ignored and receive no support or resolution. My account was hacked I had not used the person to person transfer but once in over a year to my husband no other person to person transactions. Now Cheese offers direct deposit DON’T DO IT!!!! Cheese does not value their customers, offers no real support and worst of all DOES NOT KEEP YOUR MONEY SAFE!!!! Fool me once shame on you, fool me twice shame on me! It should be called Swiss Cheese because it full of holes!

I only gave a five star review right now because I want my review to be seen! There are plenty of banks out there nowadays. So these banks really had to step up their gameIn order to get people to use their bank. For instants they were doing a you sign up bonus. The entire reason why I signed up was for that bonus. And guess what I didn’t even get the bonus. I started the process before the referral program and bonus ended. they ran out of money. So anyone who did sign up for that bonus won’t get it if The money wasn’t deposited before the end date. Which we all know deposits can take multiple days even weeks. Personally it took over nine days for the money to move from one account to the Cheese account! Is that my fault no it’s the banks fault I emailed them all my information and basically all they said was sorry about your luck. I did download the app and get all signed up with the bank before this promotion ended . I did it before it ended! This $45 was too help my family so much. I was basically depending on the money I never got it so it really screwed me over. I really feel like they should honor the fact that I deposited $50 to get the $45 bonus they should really make an exception!