# Kovo - Fast Credit Builder — user reviews > 368 indexed App Store user reviews of Kovo by Kovo, rated 4.90/5 from 11,830 ratings. - Source: https://appshunter.io/ios/app/kovo-fast-credit-builder/id6480379937/reviews - App overview in markdown: https://appshunter.io/ios/app/kovo-fast-credit-builder/id6480379937.md - Rating breakdown: 5★ 11,448 · 4★ 205 · 3★ 41 · 2★ 19 · 1★ 117 ## What do users think of Kovo? Overall sentiment: neutral **Pros** - 💪 Effective credit building - 🆙 Significant score improvements - 💰 Affordable monthly cost - 🙌 Great service and results **Cons** - 🤔 Misleading contract terms - 🔒 Difficulty closing accounts - 🐛 Technical issues and bugs - ❌ Negative credit impacts **Commonly reported bugs** - App crashes and loading issues - Inconsistent credit reporting **Most requested features** - Faster score increases - Revolving credit product - Clearer contract transparency ## Newest reviews (10 of 368) ### 1/5 — Keep charging me and hurt my credit 80 points *2026-08-06, version 1.6.1* Bad app ### 1/5 — Must b paying for 5 star reviews *2026-08-06, version 1.6.1* They keep all monies ### 3/5 — Mrs. *2026-08-04, version 1.6.1* I have heard so much about it ### 1/5 — Bad *2026-08-02, version 1.6.1* Does absolutely nothing for your credit except for if you miss a payment! ### 1/5 — Worst credit builder app ever get kickoff *2026-07-26* If I could put no stars I would. Finding out the app (KOVO) don’t return the payments you pay back once you pay off the loan, like kickoff. You guys tie people into a 2 year agreement for what?? I don’t see improvement fast and I’m really mad because you guys don’t return my money back like kickoff. Definitely wouldn’t tell my family to get the app. Only person who getting something out the deal is Kovo only. Low key robbing me with out a mask. Definitely recommend kick off guys 10/10 and you get your full payment from them back same day you hit your year mark. And with kick off you definitely see improvements. Thank me later. ### 1/5 — Kovo is a scam *2026-07-13, version 1.6.0* Do not sign up for this. They charge you $10.00 a month for identification protection and report to they claim 4 major credit bureaus. This is a scam. Don’t fall for it! ### 1/5 — Ripoff! *2026-07-13, version 1.6.0* My credit did not move at all. As a matter of fact, TransUnion reported it as derogatory. Beyond useless. Pay your money, but don’t say you didn’t know. ### 2/5 — Wouldn’t recommend *2026-07-09* It says that it builds credit fast, that was not my experience. Kikoff boosted my credit a lot and fast. Kovo on the other hand, not so much. At least not for me. I was paying it on time and there was one time I forgot about it (completely my fault) but made my scores go down over 50+ points over $10. Would recommend if it boosted as fast as it dropped my credit, but it didn’t. Went up a couple points if that and then dropped after months of me working on rebuilding my credit. **Developer response:** Our goal is always a 5-star experience, and we're sorry we didn't hit that mark for you. 😞 We're required to report accurately based on when we receive payments, including both on-time and late payments. If you'd like to reach out to us at support@kovocredit.com, we can review your account to see if you're eligible to get the late payment waived or if there's anything else we can do to address your concerns. Please let us know how we can help make your experience with Kovo a 5-star one. ⭐ ### 5/5 — This app works as advertised *2026-06-13* I was skeptical at first but my credit was so bad I figured I had nothing to lose. Gave this app a try and I’m so glad that I did. It’s been less than 90 days and my credit score is already up 87 points!! I finally feel like I have my credit in my control now. Thank you so much **Developer response:** That's wonderful to hear! 🌟 We're thrilled to hear about your fantastic progress with our app. Your kind words mean a lot to us. ### 5/5 — The perfect Credit builder *2026-06-09, version 1.5.5* Honestly, I didn’t know what to expect but I seen a few reviews about Kovo Credit Building and I decided to give it a try. I’m glad that I did. My score has shot up +28 points since I started. ## Most critical reviews (10 lowest-rated) ### 1/5 — Destroyed my credit stay away! *2026-09-08, version 1.6.4* I trusted in this company I’ve used kickstart, self, and Ava credit builders. This is the worst of them all, and they destroy your credit leaving them. Also when you dispute them, they will stick to destroying your credit If you dare leave them. I paid them their payment for a full year religiously never missed a payment. They made money off me. My credit union told me to cancel my credit builders so I did. I had no more payments and for despite they left a nasty derogatory hard hit on my account as settlement and they do that on purpose to hurt you and destroy your credit when you leave them. All the other credit builders I was signed up for our terrific and a better company when you leave them. The credit report says paid in full status good with a big green text! This hateful company KOVO WILL SHOW you have a red checkmark derogatory MARK AGAINST YOU and credit score is dropped and then the developer will respond to these complaints and say how can we make it better? I’ll tell you how you can make it better Kovo you could go into my dispute that I did three times with you past couple days and just remove KOVO SETTLEMENT from my credit report then my points will go back up because you destroyed my credit because I left you. BY THE WAY….there is no settlement. I will be getting an attorney. I’m already talking to an attorney right now and I will sue you. I wanted my son to sign up with you and my friends and you’re going to lose customers because of this hate towards your customers, putting a negative mark on their credit report, especially for people like me who made payment religiously to you and you made money off me never a problem with me paying you on time ever! KOVO IS A disgusting company! I hate your company, your vile, and your hateful and I’m going to post this hate of your scam company all over social media and my friends social media because you are rotten. I need my credit built-up and you destroyed it with your nasty negative remarks because I left your company. You want to make it right with me? without your developer response then PLEASE go into my account and just remove Kovo SETTLEMENT! don’t say paid as settlement say thank you paid in full. It’s a shame you use your platform to destroy people’s credit. I can’t stand your company you’re disgusting. I can’t wait for my attorney to get a hold of you because I’m gonna sue you as well for malicious act towards my account. by the way, a hint when you say settlement, there would be an amount listed there is no amount because there is no settlement that means you’re lying on my credit report and I’m gonna sue you for that. I believe it’s $1500 or $1000 either way that’s what I’m suing you for. ### 1/5 — Terrible Company *2026-09-07* I was in the middle of selling my house, moving across the country, and switching bank accounts when I accidentally missed one $10 payment to Kovo. As soon as I realized the payment had been missed, I checked my credit and discovered my score had dropped almost 30 points after Kovo reported the missed payment as a derogatory mark. What makes this especially frustrating is that Kovo isn’t even a traditional credit card company. I was paying them $10 a month for a service that is supposed to help build credit, yet one missed $10 payment ended up doing significant damage to the very credit I was paying them to help build. I contacted Kovo, explained the circumstances, and asked if they would remove the derogatory mark, but they refused. After paying a company every month specifically for a credit-building service, I find it ridiculous that one overlooked $10 payment could wipe out that progress and drop my score by nearly 30 points. Based on my experience, I would never recommend Kovo to anyone. If you’re considering paying them to help build your credit, be aware that one missed payment can potentially leave you worse off than when you started. Chime credit building works better. **Developer response:** We're sorry to hear your experience with Kovo hasn't met your expectations. Our installment plan is designed to build payment history through affordable monthly payments rather than a credit card or loan. Your payment history gets reported to the bureaus as it happens, which is what makes each payment, on-time or missed, count toward your credit. We send reminders ahead of each due date and again if a payment is missed, and there's a 30-day window from the original due date to bring the account current before it's reported. We'd be happy to take another look with you if you'd like. Please reach out to support@kovocredit.com and we'll go through your payment history and see what we can do. ### 1/5 — Identity theft *2026-09-05, version 1.6.4* I just found this company on my credit report saying it’s paid for less than balance owed. I have never asked for any kovo account and thus should not be seeing this on any consumer report. Remove this account immediately and provide identification used to secure this account. ### 1/5 — Scam *2026-08-26, version 1.6.4* I signed up for this because it looked like a legit form of payment. This is gross and predatory!! They charged me for no goods received gross!! ### 1/5 — They report negative *2026-08-25, version 1.6.3* They will report you negative if you miss a payment so it’s not worth it ### 1/5 — SCAM BEWARE *2026-08-21, version 1.6.3* They lock you in to paying monthly and if you dare to cancel, they will threaten you with ruining your credit. So they start off by “helping” you build your credit, but if you stop paying them, they will make sure to “ruin” your credit. Stay away 1000 miles. This is a scam. ### 1/5 — They sign you up for multiple accounts without you knowing *2026-08-19, version 1.6.2* I have been paying twice for what I thought was help fixing credit but instead they have me paying for two separate credit accounts ### 1/5 — Login Unaccessible *2026-08-13, version 1.6.2* For some reason they won’t allow me to login to my account but they won’t cancel my plan. I haven’t been able to login since day 1 and all the troubleshooting they gave me never worked. Feels like a scam. Take my money but lock me out ### 1/5 — They Will Report Late Payments Don’t Get This App. *2026-08-10* I signed up for Kovo to help build my credit, so I want other customers to be aware that they do report late payments to the credit bureaus with no warning. A late payment was reported on my installment account and negatively affected my payment history. I was unaware I missed my payment. I contacted Kovo and asked for a goodwill adjustment but they refused to remove the late payment from my Installment Plan, even after I paid the account off. If you are using Kovo specifically to build or improve your credit, be very careful with your payment dates. Missing a payment long enough for it to be reported can end up hurting the same credit you signed up with them to build. I wish this risk had been made much clearer before I opened the account. **Developer response:** We're sorry to hear your experience wasn't what you hoped for. 💔 While we aim to support our customers in their credit-building efforts, we're still required to report payment history based on when payments are received, both on-time and missed payments. Any time you miss a payment, you have 30 days from the original due date to catch up without impact to your credit. We notify you if a payment is missed, and we also never charge interest or late fees. Can you please email us at support@kovocredit.com with any further questions or concerns? We value your input and are here to help! 💌 ### 1/5 — Do not use this app they will report late payments even after you close it very bad do not use *2026-08-07, version 1.6.2* Do not use they will report late payments ## Most praised reviews (10 highest-rated) ### 5/5 — Miguel *2026-08-30, version 1.6.4* This is the best credit builder for sure ### 5/5 — Good app *2026-08-28, version 1.6.4* Builds credit fast ### 5/5 — New too it *2026-08-27, version 1.6.4* I am new so far it’s great will keep you all posted ### 5/5 — This app *2026-08-24, version 1.6.3* It’s amazing!! ### 5/5 — It really works *2026-08-12, version 1.6.2* It really helps I didn’t think it would because my credit is really bad but using this app really helps my credit go up it’s only 10$ a month thank u guys ### 5/5 — A great system *2026-08-09, version 1.6.2* I think that these credit building site centers are a great tool when boosting your credit score for big purchases ### 5/5 — Crédito *2026-08-03, version 1.6.1* Magnífico ### 5/5 — Kovo *2026-07-31, version 1.6.1* Fast and easy ### 5/5 — Great App for Building Better Financial Habits *2026-07-10* I’ve had a great experience using Kovo so far. The app is easy to navigate, works smoothly, and makes it simple to stay on top of my finances. I appreciate how straightforward everything is, and the features are genuinely useful without feeling overwhelming. It’s been a helpful tool for building better financial habits. Definitely worth trying if you’re looking for a reliable financial app. **Developer response:** Thank you for sharing your positive experience! We're glad to hear that you find the navigation easy and the app helpful in managing your finances. Your feedback is valuable, and we'll make sure to pass it along! 🌟 ### 5/5 — Need a Credit Boost ✋🏽 *2026-07-07, version 1.5.8* Best Credit Builder out there. They really report --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-16.*