Krista H.

I signed up two years ago for Refresh Financials secured credit card and secured loan. After the first few months, they began forgetting to submit my monthly payments to the credit bureau. In January this year, I noticed they were still several months behind so I closed my secured loan with them after having to write them monthly to remind them to submit the payment to the bureau and they still forgot. I kept the secured Visa card in hopes of still building my credit. It is currently September 28'21 and my secured card has not been reported to the bureau since January. I have sent several emails to try and fix this and they are unable to. I've called the credit bureaus to try and fix it however I was unable to and they told me to get Refresh to reopen the account to begin reporting. What happens was when they closed my secure loan, they closed my secured credit card instead. They have not helped build my credit and actually do the opposite. Do not waste your time or money.