Ava: Build Credit History Fast Reviews

by Anachronda

On many credit oriented apps there is an option to view available loans based on prequalifying conditions, then allows you to decide whether to apply for them. Ava seems to skip the decide step. After simply choosing to look at that option I received notification through text and email from scores of different loan companies indicating that a loan had been fully applied for and approved or not approved. All those hard credit checks are dings on the credit as well as any rejections, which the latter are bound to happen with so many blind approvals. I tried to get help from support but they were unable to even begin to assist me in finding out what companies had been applied to. To even begin to undo the damage.

As for the general use case of having it pay for a subscription and you pay it back, the flaw there is they restrict your ability to pay them. So you can't just pay them back right away and have that credit available in time for the next charge. Reached out to support on that and they said this was how it works. Not great.

by Pretty In Mink

Everything was working fine until I wasn't able to make proper on time payments using ANY card which caused me to fall two payments behind and hurt my credit score more than it was before signing up. When I contacted "customer service" via email they informed me that there was a "freeze" on my account and I needed to provide documentation from my bank explaining that the hold wasn't OFAC related?! My bank had absolutely no idea what hold they were speaking of or why they would even request such. My bank advised me not to continue business with them suspicious of some sort of scam because I am not in a foreign country nor have I done or received any international wire transfers so what could be the real reason for claiming this imaginary hold?! I closed my account (since I wouldn't be able to make payments anyway due to them blocking payments) and I just won't be doing any business with this fishy company.

by Annieggc

I just gave this company access to my most sensitive information just for it to tell me that my bank account supposedly never received over $1400 in deposits to qualify for a freaking $6 a month membership to boost my credit, meanwhile just on the 14th I had a major deposit of $2500 and on 11/30 one of $3200… so basically something isn’t accurate in its findings for making decisions which makes me believe there’s a risk that this company won’t boost my credit because it can’t even connect customers banking for such a small membership fee. I’m very picky about details, I’ve been working on my credit and have experience in the knowledge of what it takes… on time payments vs utilization…. Another bothersome issue is they offer two high impact products and nothing else. I’m not willing to take a major hit off the hope it raises “an average of 45 pts”… that’s not a smart move.

by Amro Moumen

I unfortunately was going through the death of my dog and had to pay thousands to cover the bills and burial costs and went behind a few months on the payments but paid it In full. I spoke to capital one and they were able to remove the late payments and were Amazing and very caring. Now this app told me that it’s against FCRA to remove the late payments which is 100% NOT true. The company will not remove late payments to help one of their first ever customers fix credit but claim to be a company that wants to help. It’s really sad how companies like this even get a license to do this. I had to deal with the death of a dog I had for 15 years I was mentally unstable yet the company could care less. If I could give less than 1 star I would. They would close the ticket before looking over my concern. It was Anna K and Harmony that I spoke to. Anna K is the most heartless person I spoke to.

by Kelsey Brie

My experience with this app has been rather frustrating. I signed up and linked my bank back in April, but it was only in June that I actively tried to utilize Ava . Unfortunately, that's when the problems began with linking my bank.

Despite successfully linking my bank account in April, this app now consistently displays an error message whenever I attempt to use it. The message claims that this app does not support my bank, which is confusing since I had no issues initially.

I've tried numerous times to link different banks, including a bank I am apart of that my my fiancé uses successfully with this app, but the error persists. It's been two months, and I haven't been able to access any of this app's features or services.

This situation is incredibly disappointing as I was eager to use this app to improve my credit. However, the ongoing banking issue has prevented me from doing so.

I hope the developers can address and resolve this problem promptly so that others don't encounter similar obstacles. As for my experience, I can only give this app two stars for now due to the persistent bank linking issues.

I remain hopeful for a solution, and if the problem is resolved, I'd be more than willing to update my rating and give this app another chance

by Mreese18

I was actually really excited and was finally hoping I had found something that could actually help me get back on my feet right like I used to be a couple years ago but, Ava literally made me stop looking anywhere and everywhere for the tiny extra little help because everything that was said in multiple of their ad videos I’ve seen around everywhere is all lies. Nothing is that instant about it, I didn’t even get one single ounce of help for the half a year if not honestly full year that I had Ava, you do have to spend a ridiculous amount of money that supposedly “you don’t even have to add.” I could go on and on but, I’m. It going to sit here and write a book about how it’s not even surprising anymore when others and/ or myself find yet just another daily low life scamming mf’ers

by Daisygirl82

I got an email I was approved for $2,500 and when I went on Ava I linked my bank but when I went to enter my address and other info I kept getting a message I had to manually enter information as their was an error. So, in order to manually enter my information I had to take a selfie with my drivers license to verify my identity. Thought that was a little odd but hey it is what it is. I then received an email back stating they needed more information. They needed a photo of my drivers license, front and back photo of my Social Security card, a copy of a utility bill, showing my address and a copy of my mortgage or lease. That’s when I decided nope not interested, not sending them anything, that’s asking for trouble. Deleted Ava and will not trust them ever again. Not worth it to me at all.

by La-sh

You must read the reviews!!! this app had me communicate with 3 different representatives. First there was Brian who couldn’t fix any issues. Then, there was Anna who couldn’t seem to get it right. Last, there was Harmony who the company had answer the phone. All the poor communication with this company took a little under a week for me to get nothing resolved. In addition, to this company receiving all documents they needed in order to get everything resolved. I believe this company is ran by young adults who are still learning or perhaps just confiscating people information which will eventually catch up to them if this is the case. There’s never a manager around which leads to skepticism. Whatever, you do make sure you do your research before signing up. It will relieve a lot chaos.

by Corephan

Hi there I’m a financial & credit enthusiast. Now I still Advocate for this app, IF your financial situation can benefit from it, but it can be a stagnation or In my case drop it by 105 points and slow down my business & finacial content creation. But none the less it doesn’t take away from what the goal of the service does it just not for everyone.

My personal experience: I signed up for this app on Feb 2023. Now, before I advise anyone that comes to my channel and or recommend a service I let them know I’ve use it! In my case with a great credit score and a high credit line + good credit mix of accounts. it truly didn’t benefit at all. But I still got to show I use the service before I advocate for it cause my situation it didn’t help but if I had a low mix of credit, and the 3600 credit line being report can benefit others!

My specific issue: throughout signing up and setting up Auto Pay & connect checking & savings. They emailed - which some of their email are flagged as Spam, mentioning a disconnect with autopay being blamed on plaid. With no info as to why? Now this is why it not a plug and play even though they state to just keep the bare minimum funds cause B2B they disconnect Autopay. Coming back from my international business tour, sitting down with financial advisor it was brought to my attention that my score drop 105 points. I reached out by email to have clarification & dispute. They respond still not clarifying.

by Ugly Kidz Nft

This company and its employees are frustratingly unhelpful! They claim they can't verify my identity despite my efforts. I've submitted my licenses, SSN, two utility bills (electric and cable), and a photo of myself holding both bills. My ID doesn't match my mailing address because I'm currently homeless and staying with a friend. I put two bills in my name so my son can attend school. My mailing address is a USPS address in Georgia, while I'm temporarily staying with a friend in Washington, DC until I find a place. This address has been on my credit report for 14 years! Now, they're telling me I need to provide a lease. How can a homeless person provide a lease? I've given them everything except my birth certificate and marriage license. Who would try to sign up and help build someone else's credit? If I were applying for a credit card, I could understand, but their procedures are ridiculous and need to be changed! Now they tell me they can’t approve me! They are worse then the Bidden Administration

by Forced Gmail User

If you sign up on the website, it guarantees transparent pricing of $9/mo. However, it is actually the charge for paying upfront for 6 months and then it’s $6/mo for 12 months. Rather than misleading consumers into believing you can subscribe monthly, why not stick to your value of transparency? Customer service was awful in trying to convince me this is a system calculation that cannot be fixed in Ava when each and every time I told them I signed up on the website. They did not they would fix the issue or route to the appropriate department or offer any kind of credit for the error, lost time, inconvenience, and utter disappointment in being run in circles by them. There was no effort to make it a good experience and give this app a try.

by Primo_RT

So Ava advertises a guaranteed credit card approval of $2500. What they don’t tell you is that to utilize it u have to also use the saving builder account. The amount you put in the saving builder will determine how much of the Credit card you use. I don’t need another savings account or prepaid credit card. So I spoke to a representative via email and asked to have my saving builder account closed they never bothered to mentioned that the savings builder account was directly tied to my “credit card” utilization limit. Since I did not know this I put this card on several of my accounts to auto pay and most of them declined because of this card only allowed me to access $12 of the $2500. Keepn in mind I’m paying $6mo for this. I can not pay any of my bills as well with this card. I thought this was going to be a good thing but it turns out is not. It might work for you but I’m disappointed in this apps service.

by D.genell Aka Icandy7

So I try out this this app credit building app because your promise. Then after downloading Ava & receiving email link to proceed with adding information to start my this app account then I ran into issue when attempting to input my mailing address it seems as though it isn’t recognizing my the address that I’m currently residing. Every time my address is shown on search then I tap that then try to add apartment info then I get a error message stating I need to address full address information. So unable to complete to resignation process in order to determine if I’m even eligible or approve for account. I’m hoping after this review that this app support can help assist with continuing the process or fixing the issue that’s causing the clinching within this app app so that way I can finish application process. Hoping someone from this app support teaches put asap. Thanks.

by D1am0ndJ

I got locked out of my account when I got a new phone and tried to login but there is no login to get back into your account as they ask you to open a new account but no way to log back in, I sent an email to support and after 3 days still haven’t heard back so I’m just gonna let them collect what I owe then I’m locking my bank account to not allow any ACH withdrawals so then they’ll have to close my account, great for building up credit but if you get logged out good luck getting back in, horrible customer service and no way to log back in, I don’t recommend them if this ever happens to you so I left 3 stars for that reason, thanks for nothing!!

by Memers1992

There was one person who left a review saying that for 3 dollars a month she is able to work on her credit and save money. That is nowhere near what I pay for my subscription and I don’t have the saving account on mine because it would be more money but it is a good idea to be able to save money throughout the year and then get it back once you have saved for the year.
Also I think it has been close to a year that I have used this app but I also do use more than just this app to help build my credit so I’m pretty sure it hasn’t gone up just because of this app. Pretty sure it is because I recently just started occurring credit. Like got a credit card within the same year, bought a car, make my payments like I’m supposed too. Yes I think this helps but I don’t think that all of my points have come from this app.

by DeraBeeee

this app’s up front about how the process works. I’ve been utilizing a lot of different programs to help bump my credit up, including this app. It’ll be a year this month, and with the combo I’ve raised my score 77 points. I had one small issue with this app disappearing off my TransUnion report, which dropped my score a few points. I contacted customer support and they were quick to respond and help me resolve the issue. ONLY minor inconvenience is certain payments won’t autopay out of your account if your balance is below a certain amount. But you can still go in Ava and make the payment manually. I understand the reason behind the process, just inconvenient for me sometimes. Overall, a great app and it’s been one of many things to help me get my credit moving in the right direction.

by TrueGem89

this app has helped me a lot with my credit score. My credit has raised about 60+ points, which is what I desired to get me where I wanted to be at 650. Now I am ready to continue my credit journey in reach my second goal of 750. I know it will take time but at the end it is all worth it. If you are trying to raise your score for whatever reason I would recommend you work with this app as you will not be disappointed. Just make sure you are consistent with your payments and you will be fine. Best wishes to all who read.

by @Bubbaluv84

this app is the best thing out here friends There are so many programs and apps out there that claim to be the ones..:) right!! that have the solution and that are for the consumer right for the people right but I'll tell you this app is here for us my friends my situation may or may not have been as bad off as your situation who knows I was possibly way worse off than you are or were but that's what's unique about this app it doesn't matter who you are or how good or bad your situation is is going to benefit you and it's gonna happen in a huge way in a short period of time it's literally set up to cater to you it's $10 and it's actually your money and it's actually money that you spend already on the stuff you use and pay for right now today on an every day basis it's the greatest thing ever man it's awesome this is the program you want to be apart of I'm so glad I've found this and it's benefiting me and in two weeks I'm this app has helped me increase my score 59 points it reports weekly did I add that to all major credit bureaus l promise you will not be disappointed if you take my word for it just give this app a try my friend

by Stacktheecredit

I started using this app in October of last year. I honestly wasn’t sure what outcome I’d get but I decided to go for it. this app is super easy to use, it literally has all the subscriptions I use monthly which made it easier for me. this app ensures that you only utilize less than 13% of the allotted credit line which makes it easier to manage your credit. It was a plus that it reports to the credit bureau as you make payments. It the matter of 9 months my score has increased by 80 points. this app will help you increase your scores while you enjoy your monthly subscriptions. Download it today you won’t be disappointed !

by Gaminmomma38

This account is amazing! It’s perfect for people who don’t want to get stuck with credit cards you can use for any occasion. Somehow you end up spending more in interest and getting further behind. I have had Ava for only a month and my credit has already gone up 37 points! We are trying to get new flooring in our house and needed a credit boost without the hassle. This is highly recommended if you need to build credit, but don’t want the everyday card!!!!! (Trying to talk my husband into doing this too) thank you this app!

by Ashley Gask

If you're just starting off in building credit or working to pay down existing credit card debt, Ava works brilliantly to keep you on track by providing a buffer with a high available credit limit, of which you can only use a certain amount for certain purposes. And while some may find that limiting, some of us need that limit, and that's what this app is for. Plus I appreciate that it essentially consolidates most of my subscriptions. Thanks, this app!

by Grimaxis

After using the this app Finance app for a few weeks, I can confidently say that it offers an impressive suite of features to manage, track, and plan your finances. It's user-friendly, intuitive, and straightforward - even for a beginner. The interface is sleek and easy to navigate which makes financial management less daunting. One of the star features is the real-time tracking of spending; it categorizes your expenses efficiently, helping to understand where your money is going. The financial planning tool is a great way of setting and achieving short and long-term financial goals. Customer service was responsive and helpful, addressing my concerns promptly. Future updates may increase Ava 's versatility, as I look forward to having more features and further support for various financial instruments. Remember, the effectiveness of a financial app greatly depends on individual financial habits and needs. So, what works best for me might not work for everyone. Regardless, this app Finance offers a comprehensive package that can be useful for anyone looking to better manage their finances."

by Klbbm15

this app had claimed from the beginning that my credit score would increase, maybe not within 30 days but after a couple of months, and they were not lying. I have been with them for 3 months now, and my score has increased by 48 points. For those of you that know a thing or two about the credit world, this is not easy to do! I am beyond happy with this app thus far! I think that the fact that Ava was started by former employees of Credit Karma who thought the credit world was unfair, plays a huge part in why this app works! They know what needs to be done in order to increase credit, and increase it fast! If you’re score needs a boost, then sign up for this app! You won’t be sorry! They have other features that are beneficial to someone who wants to improve their credit score, without paying a bunch of money to a lawyer or a company who will financially screw you over while claiming to “fix” your credit!

by Livi’s MiMi

I have been using this app for one month. At first, I was really disappointed in the amount I could actually spend on the this app card. It was so low, I could only pay for a couple streaming subscriptions. Then I researched and found out WHY. this app only lets you spend a low amount because they want you to be able to pay it back, and they want to keep your utilization low. I was still a little skeptical, but then I saw my updated score yesterday. From May 9, 2024 to June 10, 2024, my score increased 119 points!! I would do it all over again if I was given the choice. If you’re skeptical about this app, give it a shot. Yes, there is a monthly fee, but it’s totally worth it to better your credit FAST! Thank you, this app!! Next stop- 700 Club!!!

by Theotheramishjoe

I signed up but never used the 2500 dollar line of credit, and I believe it helped me get a car last November after my jeep broke down. To date, my score is at 598 compared to 515 before and I have yet to use any of Ava credit. I believe if more people were to open more lines of credit but leave it sit there, it would build your credit up. I still have to pay off this car but since I’ve been rear ended in it in January, some of the insurance money will go towards that.