Kovo has helped to increase my credit score. The monthly payments are reasonable and this os a great way to increase your score by at least 20 points if needed. Happy Credit Building to everyone who i... See more
Company replied
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Review summary
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A very quick and easy way to get busy rebuilding your credit. Any little step toward the bigger goal of a healthy credit score is always worth it. Kovo does that and more. Kovo also allows you to litt... See more
Company replied
The application was easy and like most rebuilding credit accounts, you have to put up your own money. With this, you just start making payments!
Company replied
Very easy application process—fast too. You didn’t have to give up too much information and there was no hit to your credit score.
Company replied
Company details
- #7 of 258 best companies in Non-Bank Financial Service
- #4 of 178 best companies in Alternative Financial Service
- #1 of 8 best companies in Credit Counseling Service
- #1 of 3 best companies in Credit Reporting Agency
- #3 of 35 best companies in Finance Broker
- #3 of 107 best companies in Financial Institution
Written by the company
Kovo helps you build credit, fast. Ranked as the #1 Credit Builder and rated 4.9 stars. The Installment Credit Builder account is $10/mo for 24 months, with accounts and payment performance reported to all 4 bureaus: TransUnion®, Equifax®, Experian®, Innovis®. As an extra credit boost, customers with 2 on-time payments are eligible for a Revolving Credit Builder account to help round out their credit mix and double up on their credit building with all 4 bureaus. Customers with 4 on-time payments are eligible for Credit Rewards, which offers 1% back on loans from lenders in the Kovo network. These rewards are for a job well done building credit and securing that loan, card, or mortgage that was previously out of reach.
Contact info
United States
- support@kovocredit.com
- kovocredit.com
4.9
Excellent
13K reviews
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Reply from Kovo
It’s great to hear Kovo has been helpful. 😄 We report every month to TransUnion®, Equifax®, Experian®, and Innovis®…and they’re hearing about all your hard work. 📈 Keep up the great work!
Reply from Kovo
Fantastic to hear! It’s our goal to make credit building simple and free of hidden fees. Keep making those on-time payments and building up your score. 🤝
Reply from Kovo
We love knowing our approach is landing well. 🥰 Thanks for the shoutout, and here’s to a smooth-sailing financial journey together! 🚀
Trying to figure out where that…
Trying to figure out where that approved funds are is hard.
September 6, 2026
Reply from Kovo
We’re so happy to hear that! Having a Kovo account can positively contribute to your overall credit mix, which is an important factor in your credit score. 🔥 Keep building that credit…we’ve got your back every step of the way! 🌼
Application and approval was fast
Application and approval was fast service was great and I needed the loan
September 6, 2026
Reply from Kovo
Thanks for the review! ✨ Our installment plan focuses entirely on building positive payment history with affordable monthly payments, instead of linking your progress to a savings account or loan. Every payment is reported to TransUnion®, Equifax®, Experian®, and Innovis® to maximize your progress.
Easy process
September 6, 2026
Reply from Kovo
This is great to hear. 😊 Congratulations on all the hard work. We’re glad to be part of your credit-building journey.
Reply from Kovo
Hooray! We’re so happy to hear that. 🥂 Congratulations on your credit-building progress. 😁
Reply from Kovo
We’re glad you shared your experience. Our goal is to keep payments simple and affordable. 🚀 Keep up the great work, and let us know if there’s any way we can assist you further!
Reply from Kovo
Thanks for being part of Kovo! 🥳 Remember that with Kovo, you can also earn unlimited $$$ by referring friends and family. 💯 We’re cheering you on.
Was very easy to use and get approved
September 6, 2026
Reply from Kovo
Thanks for sharing with us! 🎉 Your trust means a lot to us and we really appreciate the feedback. 💖
Reply from Kovo
That’s amazing! 🤗 Consistency and on-time payments can work wonders for building credit. 🤝 Thanks for placing your trust in us!
Reply from Kovo
Sounds like things have been working well for you. And remember, there's plenty of benefits included with your Kovo plan too, like learning new skills, and earning cash back and unlimited $$$ by referring friends. 🌠 We’re committed to helping you elevate that credit score.
Reply from Kovo
Seamless and hassle-free, that’s our goal! 😊 Timely reporting is crucial, and we’re committed to ensuring all the credit bureaus hear about your on-time payments. Thanks for the love! 💕
Reply from Kovo
Thanks for sharing your success story with us! 💌 We’re so glad to hear that your Kovo experience has been smooth sailing. ⛵
I’m just in hopes of rebuilding my credit
I’m unsure about this experience but seeking to rebuild my credit which I damaged
September 2, 2026
Reply from Kovo
Thanks a ton for your kind words. 😄 Keep building that score and cruising towards a brighter future. 🚗
Very dope to have this as a credit builder
Very fast and very helping I'm at rest now on thinking about any of this thank you!
September 6, 2026
Reply from Kovo
Congratulations on the growth! 🌼 We’re thrilled to hear about your credit score improvement. ✨ Thanks for the feedback, we really appreciate it!
Reply from Kovo
Thank you! 🙌 We focus on keeping credit-building simple, so the process feels clear from the start. Keep soaring and we’ll be here to support you every step of the way! 🚀
Where is my $240
I thought I was approved for $240. If I pay $10 I don’t know what I just did. I need more assistance. I need some more information on this loan.
September 6, 2026
Reply from Kovo
Thanks for the review! 🌟 We aim to keep credit building straightforward with affordable monthly payments, clear terms, and reporting to all major bureaus (TransUnion®, Equifax®, Experian®, and Innovis®). Every payment goes directly toward strengthening your credit profile, rather than being tied up in a loan or savings account.
Reply from Kovo
Thanks for highlighting how easy Kovo is. Building your credit score now can mean saving THOUSANDS down the road. 🌟 Congrats on your success so far!
Reply from Kovo
Thanks so much. 🥰 We send reminders about upcoming payments, credit score updates, and payment reporting and we’re always working to improve your Kovo experience. 🔥 Let’s keep building that score.
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