- Home
- Free App Analytics
- Kovo - Build Credit Fast
- Kovo - Build Credit Fast Vs. Build & Fix Credit: Dovly AI
Kovo - Build Credit Fast vs Build & Fix Credit: Dovly AI Usage & Stats
“Kovo has done wonders for my credit. It’s completely user friendly & not so nerve wrecking to use compared to other intimidating apps/sites that serve the same function. Thanks Kovo!” - Karma
“I love it. I always wanted to buy a house so if it keeps doing what it’s doing I might be in business for a house.” - Angela
Get Kovo to build credit the easy way. No credit check, $0 fees, 0% interest. Plus: grow your worth, protect your credit, earn cash rewards, and unlock credit boosts.
SEE WHY PEOPLE GET KOVO CREDIT BUILDER
No credit check. No hidden fees. Instant decision. All 4 bureaus.
WHY BUILD CREDIT?
- Better credit makes owning a car and home possible, with higher odds for approval.
- Lower your monthly payments with better rates when you have a higher credit score.
KOVO MAKES CREDIT BUILDING SIMPLE
- Apply for Kovo Credit Builder to boost your creditworthiness.
- Make timely monthly payments to unlock a better future.
HOW IT WORKS
1. BUILD YOUR CREDIT WITH ALL 4 BUREAUS
- Start with Installment Credit Builder: $10/mo for 24 months.
- Payment performance is reported to all 4 credit bureaus: TransUnion®, Equifax®, Experian®, Innovis®.
2. GROW YOUR WORTH
- Build and track your FICO® Score, the score most widely used by 90% of top lenders.
- Get monthly updates with personalized tips on how to improve your score even more.
- Get personal growth tools and 24 months of credit protection.
- Continuous ID Monitoring keeps you safe from data breaches.
3. EARN CASH REWARDS
- Get $30 for each friend you refer, with unlimited earnings potential.
- Earn up to $1,225 in credit rewards: 1% back on loans and up to $75 on credit cards. Available to eligible customers with 4 on-time payments.
4. UNLOCK CREDIT BOOSTS
- Eligible customers with 4 on-time payments unlock access to credit boosts for additional credit building and credit protection. Start with $10/mo.
- Boost your credit with Revolving Credit Builder: a single-purpose credit line with a $500 limit to use at Kovo. Payment performance is reported to all 4 credit bureaus: TransUnion, Equifax, Experian, Innovis.
- Protect the credit you’re building from identity theft with Maximum Credit Protection: up to $1M ID Fraud Insurance policy and 24/7 ID Theft Resolution services.
—
© Kovo Inc. - a public benefit corporation
There is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification and income qualification.
On-time payments can have a positive impact on your credit score. Late or non-payment can negatively impact your credit score. Impact on your credit may vary and credit score increase is not guaranteed, since credit scores are calculated by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations. Unique experiences and past performance for individuals do not guarantee future results for other individuals.
ID Fraud Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Refer to Summary of Benefits for coverage terms, conditions, and exclusions: https://kovocredit.com/legal/id-fraud-insurance-summary
Disclosure: Kovo is not affiliated with loan apps, money apps, budgeting apps, credit report apps, Cash App, Credit Karma, Chime, One, Empower, Brigit, MoneyLion, Dave, Cleo, Acorns, EarnIn, Klover, Kikoff, Atlas, Varo, Perpay, Grant, Self, NerdWallet, Dovly, Credit Sesame, Ava, TomoBoost, Grow Credit, Extra, StellarFi, Boom, Build, Grain, Fizz, Credit Strong, Cheese, credit repair, cash advance, paycheck loans, or payday loans.
Terms of Use: https://kovocredit.com/legal/terms
Privacy Policy & Notice: https://kovocredit.com/legal/privacy
- Apple App Store
- Free
- Finance
Store Rank
- -
With more than 1,000,000 downloads, Dovly’s AI-powered tools can help you build credit and boost your score by an average of 82 points* and hit those life goals—like buying a car, getting approved for a credit card or getting that dream home—sooner than you’d expect.
AN AVERAGE 82-POINT CREDIT SCORE BOOST? YEAH, WE’RE THAT GOOD.
Boost your credit score fast with an AI credit engine proven to optimize results. Download the only credit app you'll ever need and let Dovly’s AI credit engine work on your behalf to fix, build, monitor, and protect your credit score – 100% free. No credit card required.
ACHIEVING LIFE MILESTONES MADE EASY WITH DOVLY AI’S CREDIT ENGINE
Get approved for a new credit card, secure a mortgage, save money, start planning your future family - endless possibilities with better credit. Our AI engine makes it easy to slay your credit score—so you can focus on what really matters.
WITH 14,000,000 POINTS INCREASED IN TOTAL, WE KNOW WHAT IT TAKES TO MAKE YOUR CREDIT RIGHT**.
Say goodbye to lawyers, credit improvement companies, and juggling multiple online tools like Credit Karma and Kikoff’s credit building app and say hello to Dovly AI’s credit score app. Provides access to monthly Transunion free credit score and report, AI-powered disputes with TransUnion®, personalized tips and guides tailored to your financial situation to help you build a strong credit profile, credit building tools providing you with easy ways to build and improve your credit score, and credit lock fraud protection, – all in one place.
* Average increase experienced by a sample of 30,746 Dovly AI Premium members that have been enrolled more than 6 months, as of November 2024.
** The combined total credit score increase among Dovly AI members through April 2025.
Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Terms and conditions: https://www.dovly.com/terms-conditions/
Privacy policy: https://www.dovly.com/privacy-policy
- Apple App Store
- Free
- Finance
Store Rank
- -
Kovo - Build Credit Fast vs. Build & Fix Credit: Dovly AI ranking comparison
Compare Kovo - Build Credit Fast ranking trend in the past 28 days vs. Build & Fix Credit: Dovly AI
Build & Fix Credit: Dovly AI#181
Rank
Kovo - Build Credit Fast vs. Build & Fix Credit: Dovly AI ranking by country comparison
Compare Kovo - Build Credit Fast ranking trend in the past 28 days vs. Build & Fix Credit: Dovly AI
All categories
No Data Available
Finance
Compare to any site with our free trial
January 16, 2026