⭐⭐⭐⭐⭐ “This app is legit—it’s been less than a month and my credit score jumped 34 points. I’m almost at 700!” - Kimi

WHY CHOOSE KOVO CREDIT BUILDER
No credit check. No fees. Instant decision. Reports to all 4 credit bureaus

WHY BUILD CREDIT?
- Build credit to unlock approvals for car, home & personal loans
- A stronger credit score can lower payments & rates
- Easy approvals on your job & rental applications

WHY KOVO?
- Designed to help build credit. No hard credit check
- Payments are reported to credit bureaus. Good habits grow your credit score
- Build history, check your credit, & grow your credit score

KOVO MAKES IT EASY TO BUILD CREDIT
- Apply for Credit Builder with no hard credit check
- Report to all 4 credit bureaus so your credit can build for all lenders
- Make on-time payments & raise your score easily with autopay

HOW IT WORKS

1. BUILD CREDIT WITH ALL 4 BUREAUS
- Build credit history with Installment Credit Builder: $10/mo for 24 months
- Reports to all 4 credit bureaus: TransUnion®, Equifax®, Experian®, Innovis®
- No hard credit check, instant decision

2. TRACK, CHECK & PROTECT YOUR CREDIT SCORE
- Build credit habits & protect your credit score
- Check & track your FICO® Score monthly as you build
- Keep your credit secure & check risks with ID Monitoring

3. EARN REWARDS AS YOU BUILD
- Refer friends: earn cash building credit together
- Eligible customers: 2 on-time payments unlocks credit boosts to build credit even faster
- Build with Revolving Credit Builder: improves credit mix, reports to all credit bureaus

4. SAFEGUARD THE CREDIT YOU BUILD
- Max Credit Protection: up to $1M ID Fraud Insurance & 24/7 support
- Monitor & check alerts so your credit score stays healthy
- Build with confidence: check & resolve fraud risks

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Do you report to credit bureaus?
Yes. We report to all 4 credit bureaus. Each credit bureau reflects the credit you build. The same payment history you build appears at all 4 credit bureaus

Why 4 bureaus?
Most lenders use only 2 credit bureaus. By building with all 4 bureaus, the credit you build & your higher scores are easier for lenders to see across bureaus

Is there a credit check?
No credit check. Check your eligibility & build credit quickly

How do I track my score?
Check your credit score & track changes in the app to build credit

Credit score tips
Make on-time payments, keep utilization low & check your credit score often. Your credit score can reflect steady progress as credit builds each month

Checking your credit reports
Get your credit report from each credit bureau periodically to understand how credit bureau updates impact your score

Celebrate your credit regularly
Be proud of each score milestone as you build and check your credit. Kovo Credit Builder reports to the credit bureaus to keep your credit building with the credit bureaus as planned

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© Kovo

No hard pull. Approval subject to instant verification & income qualification

On-time payments can have a positive impact on credit. Late or non-payment can negatively impact credit. Impact on credit may vary & credit score increase is not guaranteed. Credit scores are calculated by credit bureaus based on many factors, including financial decisions you make with other organizations. Unique experiences & past performance of individuals don’t guarantee future results for others

ID Fraud Insurance underwritten/administered by American Bankers Insurance Co of FL, an Assurant company. Refer to Summary of Benefits for coverage terms/conditions/exclusions

Loans offered by third party lenders have rates of 4.07-35.99% APR with terms of 1-20 years. Example: a $10,000 loan with 4yr term & rates of 4.07-35.99% APR has monthly payments of $226-396; assuming payments are on-time, total paid is $10,853-18,994. Loans require your application & approval by the lender

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