About Kovo
Who we are
Kovo is a consumer credit-building company and a registered Public Benefit Corporation.
Our mission is to unlock access to credit and accelerate economic opportunity.
We build products that help people establish and improve credit safely:
Kovo Credit Builder reports to all four credit bureaus - TransUnion®, Equifax®, Experian®, and Innovis®.
There is no hard credit check, no interest, and no fees - only $10/month.
Customers earn rewards and are provided credit monitoring with identity protection while they build credit.
What we offer
Kovo offers two credit-building products:
Installment Credit Builder: a 24-month, $10 per month installment plan, with ID monitoring and cash rewards on eligible offers.
Revolving Credit Builder: a revolving credit line that eligible members can add, with up to $1M ID theft insurance.
Both products:
Affect all 5 factors used to calculate FICO® Scores
Report to all 4 credit bureaus
Include credit monitoring
Kovo is available on the web and as a mobile app on the App Store and Google Play.
Why people trust Kovo
Kovo is ranked the #1 Credit Builder by WalletHub, is the highest-rated credit builder on Trustpilot, and has a 4.9 average rating from tens of thousands of customers.
Kovo is available in the United States, serving customers nationwide across all 50 states and the District of Columbia.
To learn more about our public benefit purpose, see our Mission.
Learn more
Have a question about our products? Visit our Help Center for answers.