Kovo - Build Credit Fast

good one

Great

BEWARE!!! I regret signing up for both the credit plan and installment plan. I had a family emergency and just forgot about the payment and immediately got a derogatory mark on my credit I think it was 3 weeks late. I paid it and tried to cancel my plans and was told to pay 100 something dollars to pay the remainder of contract or it's another derogatory mark on my credit. I never even saw any gains from this service so it's only hurt me. Think careful before you sign up.

I've earned 16 points in one month 😊 🙏

Good so far

pretty greatly appreciated.

This is not a loan and very musleading! Don't waste your time!

excellent way to rebuilding your credit

wonderful and fun process for better things

I've had a great experience with Kovo! The process has been smooth, easy to understand, and convenient. I appreciate the opportunity to build my credit while having access to helpful tools. Overall, I'm happy with my experience and would recommend Kovo to anyone looking for ways to improve their credit!

awesome app building credit!!!

best thing I ever did in my life

not good

just installed with a double credit builder and looks great so far

let's see I just got it hopefully my credit gets fixed..

just starting to rebuild and try fixing my credit thanks to some bad choices - relationship issues of over trusting. but in the end it's my mistakes and my credit so of course I have to accept ownership of my mistakes. so I appreciate these credit builder apps. so thank you kovo. just one suggestion why isn't there an early prepay for the monthly payment options not early pay off but a pre payment option just to be able to have the payment ready before hand.. just a suggestion to update into app

Dont use this app, it's misleading, it says it reports credit company, but they don't, they only report it quarterly and the services they offer aren't worth 240$ my service doesn't even work for some reason they said, if I cancel early with out paying the remainder it's a derogatory mark on your credit, then they report it immediately, credit strong offers same service and they give you all your money back at the end, this app is a complete scam beware

make sure you read the descriptions this is not a line of credit. you are paying in to build credit and use their tools but I do not think was worth the amount that they approved me for...lol

it's a scam

good

SCAM!

this actually help boost my score by 25 points on a matter of a few months. I am really impressed 😁

simple easy and quick

waiting for results

its fast an easy to sign up

love it

First time using this, and I'm looking to see how everything goes

excellent product if you are looking to build your credit

great 👍

so far good

great credit builder. And access to your credit score monthly is a bonus

I love Kovo!

affordable with no catches

Kovo offers a simple and straightforward method to build up your credit score with services like the installment account. For just 10 bucks a month, you can get on time payments with auto pay and a positive hit for your score and it also counts as a different credit type to increase your portfolio of credit types (credit card, installment account, etc. ) Just wish they followed Self's lead to where your installment account acts as a saving account where money is refunded back to you at the end.

love it!

just love it!

so good to be true and yes it work i count temporarily bankruptcy and then wen i end it stay public but like 2 to 3 month inhave credit card of 500 and another 1k and my point are 605 from 501 that is bad while having BRupsy even is temp pay off 200 or just pay monthly 10$

It was apose to be free, that looks to be false. I'm not using the app I can not afford it.

easy credit card

Complete scam. They are sneaky to get you to sign up. I legit was trying to order movie tickets. My credit never increased and my card was hacked. They have no real customer service all bots. I have been waiting for a specialist for over 2 weeks. Do not waste your time or money on this scam.

Everything seems to be going well!!!

Great App,easy to navigate

I'm not sure how this works but why am I paying for something I have no access to your taking money from account I want to cancel

I love this app so far I'm waiting for my credit score to go up;)

so far no issues. I will definitely update if "said" issues arise.

deceiving

highly professional

cool 😎

Complete scam. No customer service

So far I like Kovo, I hope everything goes well. I really need my credit to grow right now.

Quick and Easy...Nothin' But Good Vibes...

They are very hard to communicate with their so-called help section .

this did nothing for me

#TIMTVNYC24HRS went viral great credit score congratulations 801 score..

Fast and easy, looking forward to building up my credit score

so far so good I just got to see on building my credit now everything works out good and I'll give you guys all the stars and good reviews thank you

right on time!!!!

good 👍

it works

Trash app, it didn't help my credit at all. And after you make all the payments you don't get any money back like Self you do.. I don't recommend

Great service

great option when you don't have one

A great way to increase my credit and learn more about digital things!

great program to help build credit for those who are trying to rebuild or repair their credit score

This company makes you think you're getting a loan and building credit paying it back. Instead they bill you up to the amount you were so-called approved for for two years, then you get your money. what since does that make? Then once you cancel, it takes up to a week to get your money back. VERY MANIPULATING!!!!

amazing 🤩 has helped so much without the risk of you messing up !! full proof way to go..

love it

This is a good product to help improve your overall credit.

I actually got approved. the first time I've been approved for kind of credit or loan. Thanks KOVO! Now I'm on my way to having my own FICO score

builds it fast

good app thank you

very good app

DONT GET THIS APP ITS A RIP OFF

it really does help thank you kovo

Do not recommend

pretty much a scam that doesn't give you your money back in the end and did not disclose it in the initial sign up. Also did not help my credit score 10/10 do not recommend

keep going right

has improved in a veiw months

easy way to build credit and check on credit score.

Just started wss no hazzled to start.

signed up for an account with a credit.vuulder account, now the account is gone. feel completely scammed no idea what happened to my account and the auto pay that was set up. avoid this garbage company at all costs.

helps build credit effortlessly

I'm just starting I'm so happy

Kovo is very helpful and forward credit builder company

I was misled when signing up for this, but I assume that was my fault. I thought it was a credit builder installment "loan". I did not realize it was a payment plan for credit monitoring that masquerades as a credit builder by reporting to the credit bureaus. I'd much rather use other platforms that actually give me my money back at the end of the term and/or give me credit to use. I happened upon this at a checkout and it literally told me "use Kovo to cover your purchase and build credit".

Ever since I got the Kovo account, instead of my credit score going up, it has dropped significantly—and I don't even understand why. I can't even close the account, because they threaten to withhold the money I’ve already paid. But what was the point of those payments anyway?

help brought my score up tremendously

this is a good app..

DON'T DO IT!!! WILL RUIN YOUR CREDIT

Awesome 👌

credit score is chargeing me 9.94 twice I don't want this your making me more in debt

hopping for the best no credit hoping this helps

Great product

Awesome

My card was stolenI had to wait 2 weeks to recieve a new one on top of that I'm a traveling worker and had to wait even longer to get it until I got time to get my card from home. Kovo reported a late payment to the credit bureaus and never responded as to why would they do that although they didn't lend me money nor do I owe them anything. I've tried to send communications with them and never heard from them. If you're getting paid for reporting just stop reporting if you dont get paid. Thanks.

it's Ok 😊

I am loving it so far

didn't last 3 hours until my account got close. when I contacted support they weren't any help on getting my account fixed.

love it it works

Just another expensive program to get positive reports to the credit bureau $250. oh and when I realized it was basically a scam and I asked if I could cancel my account before I paid the full balance they knew I was trying to improve my credit. they give you the idle threat if you don't pay the full balance we'll just settle it as amount paid and it could be a derogatory mark on your credit report. I already have a negative credit report what do you think I was trying to fix it.

simple as can be

I had an issue and they took care of it asap. much appreciated. great company to rebuild your credit with.

Loving the app. Easy to manage. Straight forward. And my score truly has went up a total of 92 points since using since Nov 2026. It is not a game!! Love it.

not an actual loan!! It's the same thing as Self and Kikoff. They "finance" an amount and you pay it off. I just enrolled so whether or not my score improves is still up in the air. $10 a month for 24 months isn't bad I guess. Just know you aren't actually getting any money.

Scam! Not a cash advance app! The $240 is disguised as a cash advance for $10. Instead it's a credit builder account that does absolutely nothing to help your credit. They charge $10 monthly for a feature that doesn't help. Reporting them to the FTC and CFBF!

My credit score was 514 and within 6 months. I am proud to say I have a score of 640!! Thank you Konvo!!!

Very good and easy way to raise your credit score.🎉🎉👍

There is something currently wrong with the app. I can't even upload it after signing in it turns into an all white screen. Please address this as soon as you can as I can't even see it to keep up with payments if it doesn't properly load.

best credit builder☆☆☆☆☆ very easy and hassel free

WORTH IT!!! Credit reporting for 10 or 20 moneys a month! Raised my credit report 30 points in 6 weeks! Hold the account open and in good standing for AT LEAST a year. Closing the account drops you 20 points....

Easy to use. Worth it to slowly increase your credit.

They blocked my debit card from making payments. I called my bank 4 times to insure it wasn't my card or bank's fault. After 4 months, I gave up, closed my accounts and TOOK THE HIT TO MY CREDIT over THEIR ISSUE with blocking my card. COMPLETELY AVOID.

User friendly, quick approval, and easy to use.

Boosting my credit for a small amount per month when other companies charge 10-25x more is a good deal. And you have a good length of time to continue increasing your score for 2yrs. Awesome 👌.

Easy and straight forward. I'll report back after some time has passed with an update.

Please beware! This app is a scam. There is no live person that you will ever speak to. This is not a company with a commercial building business. This is someone sitting back behind a computer scamming people out of their money with misleading advertisement. This company will steal your money and ruin your credit rather than help it. Please check other site reviews also and do your research. I am not the only one, there are several people complaining of the same problem.

Not a loan, they charge you to build your credit, you pay them and get nothing other than a payment history. if you like giving money away this is a perfect app. So the app assigns you an amount, you pay them and get nothing in return. they keep your money while supposedly improving your credit. SCAM

I was expecting this to post within five to day days. It takes up to six weeks to obtain a credit score. I've been renting at the same residence for over five years. This process is extremely slow.

Kovo is nice with the credit builder but the installment loan is not able to be canceled which is nonsense. Its also not a savings like it is with other places.Do the 500 dollar credit limit but I would advise against doing the loan. U dont get any money and u dont get money back at the end. if u want to do one go with credit karma or kikoff. with those two u can cancel and get ur money back at any time including once its finished.

Excellent company, does what it says and it easy to use. It's what KickOff used to be but I would suggest avoiding KickOff all together anymore. Kovo does the same thing and offers a way better credit boost then other companies.

ok so there's alot of credit apps, credit quick fix, and even debt consolidation agencies, firms and so on that promise the moon. And what do you signs, emails and alot of bs right.? KOVO different ✅️ they don't give promises ✅️ They don't mislead ✅️ And they give results- with a proven system ✅️. All with as little as 10.00 yes 10.00 a month. So if you take advantage of their tradeline and credit line your looking at 20.00/month and FICO and 1M in reimbursement if your hacked- that's ✅️

I used the service three years ago and had a good experience. Unfortunately I find myself in need to rebuild my credit and they won't allow me to open a new account. I had no problems reopening Self and Kickoff accounts

If I could rate zero stars, I would. There is nothing about this app that is going to help you....STAY AWAY...They DO NOT report to credit agencies, they take money out at random intervals, and they make canceling almost impossible.

DO NOT OPEN AN ACCOUNT!! Once I am done paying this off, I am canceling my account. If you try to cancel early it can hurt your credit. I keep getting double charged. This is awful. I have a Kikoff account also and it is better than this. You see a return on the loan you are paying. You actually get money back!!

absolutely love this app if your struggling with your credit score or are like me an bad with remembering u had a credit card bill due AN now u can't buy a house or car or anything. this app will definitely boost ur credit score mine has climbed 21+pints and still climbing

the lack of transparency is beyond me cause they mislead u. I hope to get better longterm outcome cause I was confused up until I read the reviews of others so im going to give. them the. benefit of the doubt and let them do there part but I would like to lniw bout the 500 revolving credit i signed up and payed for if it's not a credit card then how is it revolving espe ialy if I cant use it.

I have a great concern regarding This Apps apperience to facilitate credit building. My experience led me to believe I was engaging in a loan repayment process w/ affordable payments to help build my credit. NO, I pay them on their "approved" amount that I never recieve! However, I am held very liable for missing a payment or even late! REALLY? I have serious questions about their financial transparency & the potential unwarranted debt they could put on me. now I wait for my refund! STAY AWAY

paid a bunch of money to get a better credit score ended up making my credit score go down because of a misunderstanding said they'd fix it never did I wouldn't recommend them wouldn't use them again

This needs to be disclosed up front. No tangible line of credit. Classic bait and switch. You pay $10/month towards a FICTIONAL loan (they don't provide loans-they have 3rd party providers). The concept is supposed to rebuild credit history. Good concept, but poor communication regarding the tangible aspect of the "loan." 30 day window for a refund. Edit in response to Kovo's response: calling something an "instalment plan" implies you are paying installments on something TANGIBLE that you own

I recommend kickoff credit building over Kovo!! Kovo takes your money with little to know return for your credit score, and inaccurate reporting. Not worth your money or time. Kickoff's loan not only builds your credit, but you get the money back at the end of you paying it off, unlike Kovo, which keeps it all with no plans to return it. Kickoff also has more accurate and versatile services. Kovo hurt my credit. Don't waste your money.

Account login was broken didnt work. didnt allow me another way to make a payment. wouldn't let me close it. 2 late payments later they finally did something. Reported to credit Beauru.

DO NOT USE. I recommend kickoff app, or self app, or dovly app. they all raised my credit. kovo HURT my credit. ive been working hard to build my credit. kovo is trash and I recommend you use a different credit building app. kickoff has worked the best for me personally. good luck building your credit

boosted my credit by 94 points in a WEEK. definitely helps to boost and it saves you money by the end of your term, you get your money you invest monthly back. recommended to anyone that's trying to improve on time payments on your credit.

What's with the $230 available balance? If there's no loan, why would there be interest or fees? this is the dumbest thing I've ever heard of, I thought that balance was usable for emergency expenses I have. I want my $10 back I'm not paying anymore either!

total scam don't get any help to explain the program and you dnt get any money back and the fact that you can't get the money you pay but the charge you a fee and close the account and you can't reopen unless you pay the full amount because you miss 1 or more months because you fell on hard times. dnt waste your time

its actually pretty good.. and it's helping. I just they had something like secured credit cards .. you know maybe you start off with $50 while paying the $10 then you can move up to a different level like $100 and so on..

This is the worst thing for anyone to do you pay 10 a month and when you realize that you don't get any of your money back and stop paying you get no help and account closed and they ruin your credit report and your out 140 so if you want to pay $140 to mess up your credit report and never get the money back. this is the app to install. they just rip people off. I don't even know how they get away with this. I'm going to let everyone know not to do this and the news channels and newspaper

horrid, no actually customer service to help. making payments each month thought I was building credit, but these dopes were reporting to my credit as missed payments each month, looked on the app and it says current on payments. and the contact us is just AI.

Customer service is no help. Issue with updating payment option. Did everything asked and still unable to update payment, and my account will reflect "no payment" because no one knows how to fix this issue.

I started in June it is September now I have yet to see any progress to my credit report I'm going to give it a little more time I heard if I try to cancel it would drop my credit score and Lord knows I don't want that LOL if anybody knows how long it takes to see any progress with this app please let me know and I wish they had a phone number so you can communicate with them a little better

Straight forward and pain free set up! Takes moments to set up. You set it and forget it. Make sure the autopay account is funded and Kovo gets down to business. Easiest, straight to the point, no frills credit building site you'll encounter.

I absolutely love KOVO they were referred to me by my Amazing credit management Dispute Beast!!!! This is an amazing way to Boost your credit and im so glad I listened. THANK YOU KOVO!! 🙏🙏🙏🙏 My score went up 30 points in 4 months and that's not including 200 points with Dispute Beast! Between the both they are helping my credit tremendously and couldn't ask for a better credit management than them. ❤️❤️❤️

This app is increasing my score by over 60 points in the past 4 month so it's really worth the money and I'm very Happy with the service. Look forward to seeing how much it grows the next month.

Helped my credit with jus a few months of on time payments. I have been trying to rebuild my credit for quite some time now with not much success causing me to lose faith but now I am reassured and beyond grateful. If you're in the same boat as me, make the small investment and use this app. It's given me a renewed outlook on my future! Thanks Kovo!!!

this is a Scam I repeat A SCAM DONT NOT USE THIS COMPANY I HAVE PAID ALMOST $400 OVER THE LAST YEAR AND A HALF WAS CONVINCED TO OPEN A SECOND ACCOUNT THAT WOULD ENSURE MY Credit Score improvement how ever no it has only dropped in points and also shows up as a active account that is still negative do to the fact that the payments are so low smh this is clearly just an easy way to get people's money doing nothing

PLEASE do not get this app unless you seriously need a boost in your credit score in a short amount of time 3 months or less otherwise just go any other route or a secured credit card where you pay your own money but you get to use your own money. With Kovo you pay them money and do not get ANYTHING back!! ESSENTIALLY PAYING THEM TO REPORT TO THE CREDIT BUREAUS.Do not miss a payment if you get this; will report negatively. they need to be up front on ads and everything else...THIS IS NOT A LOAN!

easy as ABC 12 u get it 🔥 lol all joking aside the service really is seamless I've been using for only 3 months and I've already had a double digit point increase. its affordable the app functions reliably and again the entire experience was effortless. a few taps of my thumb and my score is already going up. its nice that there's still a few services or companies who actually do what they offer and or what the say they will.....I am completely happy with my use of this app and u will be 2

do not use this app. these people don't care about your credit they just want money. worst experience ever I lost a job and couldn't pay no more so now they want to charge me for a full year like.. don't do it.

very deceiving, makes it sound like a secured loan, i needed money and was hoping I could build credit while borrowing it. do better kovo. be more transparent about what you're actually offering.

VERY MISLEADING SCUMBAGS It says loan, but it's not a loan. In your contract it doesn't say that they keep your money. They hide as much as possible that they keep your money. Better off getting Varo and their credit card to build credit! Super easy and FREE! Works like a debit card but acts as a credit card!

I'm so lucky I read someone's review saying how this is not a secured loan. I thought I'd get money back after the 2 years. Nope. Cancelled in the first 30 days. Funny their response to that review was that they don't charge the fees and interest others do. But all it is, is a fee. You literally just pay them to report to the credit agencies. Then report if you miss a payment? For nothing. Just paying them off to help your credit. should be illegal.

I'm not sure how this app has such high reviews. People are calling this a loan, it IS NOT a loan! Once you've paid the full amount you don't get anything. You're making payments on this so-called loan but you will not get any money up front or even after you've paid the entire amount. You're literally just paying money to get nothing, this is not a loan, this is not a credit account or credit card. You make monthly payments on something you will never get.

MESSED UP FILLING OUT APPLICATION AND GOT DENIED. CONTACTED CUSTOMER SUPPORT AND WAS TOLD ITS RESET. APPLIED AGAIN. STILL GETTING DENIED ERROR MESSAGE WHICH I SHOULDNT GET IF IT WAS REALLY RESET. HOPEFULLY THIS REVIEW WILL MAKE THEM ACTUALLY CONTACT ME AND TRULY RESET MY ACCOUNT SO I CAN APPLY. I WANT TO LIKE THIS APP AND GIVE IT 5 STARS-.BUT CANT WHEN MY APPLICATION HASNT BEEN RESET STILL.

not worth it. you pay and don't get the money back. you are just paying them money. yea it reports to the credit bureau but you don't get any of the cash you put in back. they keep it all!! $10 a month for 24 months. thought I was getting it back but nope!!!

This dark hole of a so-called app is really buried in with the application process. I had address issues roller coasting around until I emailed them. I then went back for another attempt only to discover a message regarding what appeared to be a decision with the typical within the 30 day window. That's pretty much cheap!!!!!!! Not holding my breath.🌬️.. I already was swallowed up by the darkest of holes with this remark. Not my phone,not my oversight,but I just give up. Nothing lost 😕😞..TBD!

This is a fraud. All you're doing is giving them 10 dollars a month to have access to the same thing credit karma does for free. DO NOT WASTE YOUR TIME OR MONEY. if you're thinking this is a credit building loan, IT IS NOT! THEY NEED TO BE SUED FOR FRAUD.

They told me they can't approve me application but then went on to say they don't do a credit chk. Ok well I have a good bkgd and my credit is n the 600s, I work, and basically the only reason I can see so far is that u keep track of how many black accts u will accept each year. I asked for something n writing n even my lawyer couldn't get it ..... so I hope ur company ready for what they will have to prove and then paying a nice suit for discrimination.

It doesn't make your score go up. Its not a loan. How is this not false advertisement? How is this not considered predatory? Oh since you don't actually get a loan they don't have to actually report. So they don't you pay ten dollars month for nothin. Find a homeless person every month give them the ten dollars at least it's gonna buy alcohol not lies! Response to company - Your model is to take money from people when you never gave money so by definition you're not a loan your score stays down

I saw an advertisement in a game earlier today and installed the app to view it. I have no idea if this even has any features I would be interested in? Since you can't fully log in without a subscription. Would have been nice to see how the app functioned before it requested a commitment.

Excellent Credit Builder for us with "not so good" credit. I was given $240 to pay off in 2years. I wish the amount was higher, but it's all about establishing a positive payment history regardless of the amount. Maybe after I pay this loan amount, I will apply again. Then maybe they will give me a higher amount?? We'll see! But I recommend this app, it has helped my credit score after 2-3 on time payments!

This site does exactly what it says it will do, raise your credit score on all 3 credit sites! This is the best and less expensive site for raising your credit score with not alot of effort from you!!

Total joke. please make sure you understand. You are not getting credit.. you are simply getting a report that says you made your payments and you're paying $10 a month for it. There is no monetary value... credit. simply paying somebody to report to the agencies. So if you're needing gas you're not getting it.

I was really skeptical that this would really help my credit as much as it did...my credit score went from 530 to 609 IN ONLY 4 MONTHS!! What?! I have a credit score that can start to get me places! Imagine how much better it will be in 4 more months! The best time to start this was 4 months ago! The second best time is now! Don't let this opportunity go if you're ready to go on this credit building journey...

This app is absolutely amazing and is a fast and effective way to help improve your credit score and debt. I 100% recommend everyone to use kovo even if you have a perfect score or have no credit history. This app will check your life.