Kovo Reviews

I signed up over a year ago with the installment plan. The initial contract stated I would get my $240 back at the end of paying off the installment plan. Out of nowhere my installment plan was “closed” and it was switched to a credit building plan. I had payed off my installment plan and never signed anything or agreed to switch plans. When contacting this app they stated that they never had this agreement and when I look at my initial contract it somehow it all crypted in Kovo so you can’t read it. I know what I signed up for because I would never agree to paying $10 a month and other reviewers have stated this as well. If you are going to go back on your initial contract then screw with the evidence then LIE and say that never existed I can not trust your company, and no one else should either. My credit score didn’t change drastically, if at all because of Kovo after paying $240 that I was promised I would get back and never did. Due to my husband dying I’m a single mom of 4 and really was looking forward to the extra cash for Christmas this year. Closing one plan without my permission, lying and saying it never existed when my app has proof it did, then signing me up for another plan that I never agreed to is deceitful and fraudulent. AVOID Kovo AT ALL COSTS.

I was skeptical about this app’s installment loan. I reached out to a representative before signing and agreeing to the terms because I wasn’t completely sure how it worked even after reading the contract terms. The representative I spoke with assured me that at the end of my contract, after all of my payments were made that I would be receiving my $240 back. This is definitely not true and I was wrongly misled. So you essentially pay $10 a month for them to occasionally report your payments to the credit bureaus. Two of my reports show they haven’t reported a payment in almost 4 months. Avoid their service since there are plenty of other options that all you more flexibility.

Honestly I started but I right away canceled just by looking at the 1 star reviews and what happened to other people. I went ahead and canceled the same day I opened it. So idk if it works or not. However while closing it stated that later in the future if I wanted to open an account again it said can’t and will not be able to. I was hoping I would try it in the future but I guess not so I just canceled. I’m sorry this app but I didn’t like your 1 star reviews and those bad experiences

Don't do it! They never sent me an email that my auto-pay failed, and my credit score dropped 40 points over $10. They claimed they had emailed me; I showed them the emails I received, none about a past due payment, and they wouldn't fix the late payment. I had been a loyal customer since 2023. Don't sign up. It's the biggest regret of my life. I was approved for a mortgage and I put $5,000 down on the home. If this late payment sticks, I am going to lose my mortgage approval and my $5,000 deposit. I have continuously begged them to remove the late payment; I even paid off my account early. My mental health has been affected by this, and I am trying to remain strong because I'm falling apart. I worked so hard on my credit to get my dream home, and they are taking it away from me over $10. Please dont sign up because I been so stressed to the point Ive had to visit a hospital. This is completely making me ill. Dont make the mistake I did.

If you looking to boost your credit and build solid history this app has it mastered. Highly recommend.

this app really makes a difference in boosting your credit score!

Already a 14 point increase in my credit scores!!!

I am happy to see my credit score increase by 21 points within 2 months

this app is definitely the real deal my score spiked 34 points in two months I’m extremely excited about it thank you this app

So far I am very pleased with Kovo. I have not been disappointed with the results.

I’m so grateful and happy with this app. My credit is going up and it’s so easy. I recommend Kov to anyone who wants to build their credit you will be pleasantly surprised. Thank this app!

Kovo, self and Chime are heaven sent. Only 10 bucks a month. Was kinda disappointed that you dont get money back, but its not a big deal. As long as I see my credit raising im satisfied!

This really works! My score could not get passed 600 and this app made the magic happen! Its still going up every week!

Kovo is great. My score has gone up 40 points in three months I would recommend this for anyone looking to better their credit situation.

Been with this app 3
Months and my score has gone up by 55 points. Next step is removing anything that can be deleted off my report so I can get my credit back on track!

Im giving this app 5 stars because it does exactly what it says its going to do Kovo boosted my score by +37 points as of today and I’ve opened a credit line as well thank you this app for your service keep up the good work

Am here to say that Kovo has helped me and my family so much that I can finally get us a house. I was at 325 months ago now am all most a 630 in just a few mouths. Try it for yourself.

I believe in taking baby steps before I can conquer the grown up ones. this app is a prime example of that. The Bible says be faithful over a few things before I make you ruler of many. These small payments are few but are increasing our scores and building our repertoire for more. Proven results within 30 days of signing up. My score is getting better as a result of. **this is a real review**

I have 6 more payments left and this has definitely helped me and my credit score went up 14 point as of today. I even now have been approved for a credit line with this app as of today as well and I’m so excited I have shared Kovo with friends and family members so hopefully they take advantage of this opportunity to get they score up and eventually get themselves a credit line as well! I’m moving on up gonna apply for a home soon just getting all my stuff in order now and waiting for this market to come down some! And I feel you should do so too!

So far it’s been great. I’m enjoying the
App I am also happy with the 36 point jump in my credit report so far