The Best Way To Build Credit Fast

Kovo vs Self

Compare Kovo vs Self credit builder accounts on what is most important for building credit.

Kovo

RECOMMENDED

Reports to all 4 credit bureaus

Experian, Equifax, TransUnion, Innovis

FICO® Score

Used by 90% of top lenders

Monitor the score lenders use

$10/mo flat rate

Clear, affordable pricing

Can pay for itself

Opportunities to earn more than you pay

No hidden fees

$0 fees. Period.

APPLY NOW

Self

Reports to fewer bureaus

Doesn't report to all 4 bureaus

No FICO® Score

Doesn't track the most widely used score

$25-150/mo

Expensive, variable pricing up to $150/mo

Don't get all your money back

15.5%+ APR taken from your payments

Extra fees

$9 admin setup fee, 3-5% debit card fee, $15 failed bank payment fee, 5% late payment fee, early closure fee

Side-by-Side Comparison

Kovo

Self

Monthly payments

$10 flat

$25-150

Admin setup fee

Debit card fee

3-5%

Late payment fee

APR

15.5%+

4-bureau reporting?

FICO® Score?

Can pay for itself?

Ranked #1 credit builder?

A+ BBB rating?

4.9-star Trustpilot rating?

Choose Kovo

How Kovo Works

Boost your credit and unlock a better future.

1

Submit application

Get an instant decision with no credit check

2

Start with $10/mo

Autopay with no interest and no fees

3

Build your credit

See monthly reporting to all 4 credit bureaus

4

Earn cash rewards

Claim exclusive offers to reach your goals

GET STARTED

How Kovo Works

Boost your credit and unlock a better future.

1

Submit application

Get an instant decision with no credit check

2

Start with $10/mo

Autopay with no interest and no fees

3

Build your credit

See monthly reporting to all 4 credit bureaus

4

Earn cash rewards

Claim exclusive offers to reach your goals

GET STARTED

How Kovo Works

Boost your credit and unlock a better future.

1

Submit
application

Get an instant decision with no credit check

2

Start with
$10/mo

Autopay with no interest and no fees

3

Build your
credit

See monthly reporting to all 4 credit bureaus

4

Earn cash
rewards

Claim exclusive offers to reach your goals

GET STARTED

How Kovo Works

Boost your credit and unlock a better future.

1

Submit
application

Get an instant decision with no credit check

2

Start with
$10/mo

Autopay with no interest and no fees

3

Build your
credit

See monthly reporting to all 4 credit bureaus

4

Earn cash
rewards

Claim exclusive offers to reach your goals

GET STARTED

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

Erick L

Chicago, IL

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

Derrol R

Cutler Bay, FL

"The best, highly recommended 💯%"

Roberto N

New York, NY

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

Erick L

Chicago, IL

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

Derrol R

Cutler Bay, FL

"The best, highly recommended 💯%"

Roberto N

New York, NY

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

Erick L

Chicago, IL

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

Derrol R

Cutler Bay, FL

"The best, highly recommended 💯%"

Roberto N

New York, NY

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

Erick L

Chicago, IL

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

Derrol R

Cutler Bay, FL

"The best, highly recommended 💯%"

Roberto N

New York, NY

Common Questions

Can I use Kovo and Self at the same time?

Is my account reported to all the credit bureaus?

Is there a credit check?

Are there any fees?

Is there a return policy?

Start building credit with Kovo

$10/mo • 0% APR • $0 fees • No Credit Check • 4-Bureau Reporting • FICO® Score • ID Monitoring • Cash Rewards

APPLY NOW

Start building credit with Kovo

$10/mo • 0% APR • $0 fees • No Credit Check • 4-Bureau Reporting • FICO® Score • ID Monitoring • Cash Rewards

APPLY NOW

Start building credit with Kovo

$10/mo • 0% APR • $0 fees • No Credit Check • 4-Bureau Reporting • FICO® Score • ID Monitoring • Cash Rewards

APPLY NOW

Start building credit with Kovo

$10/mo • 0% APR • $0 fees • No Credit Check • 4-Bureau Reporting • FICO® Score • ID Monitoring • Cash Rewards

APPLY NOW

Build Credit

APPLY NOW

Build
Credit

APPLY NOW

Build Credit

APPLY NOW

The Best Way To Build Credit Fast

The Best Way To Build Credit Fast

The Best Way To Build Credit Fast

The Best Way To Build Credit Fast

Kovo vs Self

Kovo

Reports to all 4 credit bureaus

FICO® Score

$10/mo flat rate

Can pay for itself

No hidden fees

Self

Reports to fewer bureaus

No FICO® Score

$25-150/mo

Don't get all your money back

Extra fees

Side-by-Side Comparison

Kovo

Self

How Kovo Works

1

Submit application

2

Start with $10/mo

3

Build your credit

4

Earn cash rewards

How Kovo Works

1

Submit application

2

Start with $10/mo

3

Build your credit

4

Earn cash rewards

How Kovo Works

1

Submitapplication

2

Start with$10/mo

3

Build yourcredit

4

Earn cashrewards

How Kovo Works

1

Submitapplication

2

Start with$10/mo

3

Build yourcredit

4

Earn cashrewards

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

"The best, highly recommended 💯%"

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

"The best, highly recommended 💯%"

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

"The best, highly recommended 💯%"

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

"The best, highly recommended 💯%"

Common Questions

Can I use Kovo and Self at the same time?

Is my account reported to all the credit bureaus?

Is there a credit check?

Are there any fees?

Is there a return policy?

Start building credit with Kovo

Start building credit with Kovo

Submit
application

Start with
$10/mo

Build your
credit

Earn cash
rewards

Submit
application

Start with
$10/mo

Build your
credit

Earn cash
rewards