Credit Strong offers credit builder loans that help you build your credit score and savings at the same time. They have different plans like Instal, MAGNUM, CS Max, and Revolv, with monthly payments ranging from about $28 to $49, except for Revolv which costs $99 a year with no monthly fee. Your payments are reported to the credit bureaus to help improve your credit, and you usually set up automatic payments which start about a month after you open your account. If you see charges from Credit Strong, it’s likely your monthly or yearly fee for one of these credit-building plans.
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Cancelling a Credit Strong subscription is straightforward as it can be done anytime with no penalties by simply contacting customer service via chat or phone. The process is quick and requires direct communication, but it is not fully self-service online, which keeps the difficulty slightly above the easiest level.
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How to Cancel Credit Strong: Step by Step
If you purchased through Credit Strong directly:
- Contact Customer Service: Call the Credit Strong Customer Service team at (833) 850-0850.
- Use Live Chat: Go to the Credit Strong website and initiate a live chat with a representative.
- Email Support: If you prefer email, send a message to their customer support requesting the cancellation of your subscription.
Tips & Tricks for Canceling Credit Strong
- Be persistent and prepared for multiple contacts—users report needing to call or message repeatedly to ensure cancellation is processed.
- Use clear, firm language such as "I am requesting to cancel my account effective immediately" without leaving room for negotiation.
- Request written confirmation of cancellation via email or message to avoid future disputes.
- Choose timing strategically—some users note better responsiveness at the beginning or end of the month.
- Escalate politely if needed by asking to speak to a supervisor or a manager if the first representative resists cancelling.
- Be ready with payment details to either pay off any balance immediately or ask for closing statements if applicable.
- Avoid emotional language, focus on your right to cancel and dissatisfaction with service rather than complaints.
- If possible, document all interactions including dates, names, and what was said in case you need to dispute charges later.
- Consider specifying refund or overpayment requests upfront if you think you've paid beyond service usage.
- Leverage community forums to see any recent successful cancellation tactics from other Credit Strong users as policies and procedures can change over time.
Credit Strong Customer Service Info
If you need assistance, here's how you can get in touch with Credit Strong's support team.
Cancel Credit Strong Script
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Hello Credit Strong Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription with Credit Strong. Due to personal financial reasons, I am unable to maintain my current membership and believe this is the best step for me at this time.
Thank you for your understanding. I appreciate the assistance you can provide in processing this cancellation promptly.
Best regards,
Frequently Asked Questions
Credit Strong allows you to cancel your membership or subscription at any time with no early termination or cancellation fees. You can close your account without penalty, and any accumulated savings will be returned to your original payment source. This ensures no negative impact on your credit score as your loan will show as paid off and closed.
To cancel your Credit Strong subscription, you do not necessarily need your password. You can close your account by contacting Credit Strong via chat or by calling their support team at 833-850-0850 during business hours (Monday to Friday, 8 a.m. to 5 p.m. Central time). However, if you want to reset your password for any reason, you can do so at this URL: https://apply.creditstrong.com/password/reset. This makes cancellation accessible even if you don't have immediate access to your password.
- Financial difficulties or cash flow issues leading to the need to close the account.
- Non-refundable funds after account cancellation, with customers complaining they do not receive their money back.
- Delays and excuses when requesting account closure or refunds, such as repeated "account under review" status without resolution.
- Refusal to transfer or refund money after account closure, even when payments originated from another person's account.
- Negative credit reporting for missed payments on what is supposed to be a savings account, causing credit damage.
- Excessive fees associated with the account or service.
- Poor customer service experiences reported by users.
- Lack of credit score improvement after using the service.
- Perception of scam-like behavior by some customers.
Credit Strong does not impose any early-cancellation fees, termination fees, or penalties for closing your account early. You can cancel your membership or subscription at any time, but you must pay any outstanding interest and loan balance using your linked payment method. There are no contract lock-ins or gimmicks preventing you from canceling, though you should be aware of a $25 non-refundable administrative fee on some account types like CS Max.
Before cancelling your Credit Strong subscription, know that if you close your account early, the loan history will still be reported as paid on your credit report for 10 years. You lose access to the loan and the credit builder benefits it provides once the account is closed. Some users mention that after closing, they received a refund of their deposited money minus any interest paid. Keep in mind that cancelling won't erase your loan history and the timeline for receiving any refund might vary.
- Full name on account
- Email address associated with the account
- Account number or loan number
- Phone number linked to account
- Confirmation of identity (such as answering security questions or providing a form of identification as requested)
- Payment method details (to settle outstanding interest or loan balance, if applicable)
- Access to customer portal login information (if cancelling online)
We've actually written a step by step guide on how to get a refund from Credit Strong. Check it out!
The Easiest Way to Cancel Credit Strong
If you’re frustrated trying to cancel your subscription, membership, or bill from Credit Strong—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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What Are Some Alternatives to Credit Strong?
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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