{"app_store_id":6480379937,"slug":"kovo-fast-credit-builder-6480379937","name":"Kovo - Fast Credit Builder","subtitle":"Grow Your Score & Earn Rewards","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/da/8f/52/da8f52f8-5b45-30d3-5b4b-0b9fc294ad72/AppIcon-0-0-1x_U007epad-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/kovo-fast-credit-builder/id6480379937?uo=4","price":0,"currency":"USD","rating":4.9317,"rating_count":13104,"in_app_purchases":false,"recent_rating":3.65,"recent_review_count":20,"reviews_checked_at":"2026-10-17T09:53:13.389Z","primary_genre":"Finance","version_date":"2026-10-15T22:09:28Z","updated_at":"2026-10-22T06:38:12.725Z","stale":false,"missing_since":null,"one_liner":"Credit builder app that reports monthly payments to all four credit bureaus and shows a FICO Score with tips.","verified_maker":false,"maker_site":null,"file_size_bytes":36533248,"minimum_os":"16.4","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/54/ad/82/54ad8246-af70-2df8-c429-d8e7a65bbd1a/2.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/ed/25/21/ed2521d6-2c4c-b1b6-9b54-ed596bbc1cd5/3.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/4c/60/13/4c601356-bad5-2764-4270-bde6aee2fcce/4.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/25/6a/a6/256aa62f-919a-2b8f-5736-420e8ca0659b/5.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/15/77/51/1577516a-409b-da84-fe57-596b4d08346b/6.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/8e/7d/cf/8e7dcf92-07fa-d0c3-3505-56157fe7e4e9/7.png/392x696bb.png"],"developer_name":"Kovo Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/kovo-fast-credit-builder-6480379937/","api_url":"https://apptierlist.com/api/v1/apps/kovo-fast-credit-builder-6480379937","schema_version":"1.0","generated_at":"2026-10-22T10:42:50.220Z","data_as_of":"2026-10-22T06:46:12.676Z","description":"“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\n\n“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\n\nGet 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.\n\nSEE WHY PEOPLE GET KOVO CREDIT BUILDER\nNo credit check. No hidden fees. Instant decision. All 4 bureaus.\n\n\nWHY BUILD CREDIT?\n- Better credit makes owning a car and home possible, with higher odds for approval.\n- Lower your monthly payments with better rates when you have a higher credit score.\n\nKOVO MAKES CREDIT BUILDING SIMPLE\n- Apply for Kovo Credit Builder to boost your creditworthiness.\n- Make timely monthly payments to unlock a better future.\n\n\nHOW IT WORKS\n\n1. BUILD YOUR CREDIT WITH ALL 4 BUREAUS\n- Start with Installment Credit Builder: $10/mo for 24 months.\n- Payment performance is reported to all 4 credit bureaus: TransUnion®, Equifax®, Experian®, Innovis®.\n\n2. GROW YOUR WORTH\n- Build and track your FICO® Score, the score most widely used by 90% of top lenders.\n- Get monthly updates with personalized tips on how to improve your score even more.\n- Get personal growth tools and 24 months of credit protection.\n- Continuous ID Monitoring keeps you safe from data breaches.\n\n3. EARN CASH REWARDS\n- Get $30 for each friend you refer, with unlimited earnings potential.\n- 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.\n\n4. UNLOCK CREDIT BOOSTS\n- Eligible customers with 2 on-time payments unlock access to credit boosts for additional credit building and credit protection. Start with $10/mo.\n- 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.\n- 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.\n\n\n—\n© Kovo Inc. - a public benefit corporation\n\nThere is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification and income qualification. \n\nOn-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.\n\nID 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\n\nDisclosure: 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.\n\nTerms of Use: https://kovocredit.com/legal/terms\nPrivacy Policy & Notice: https://kovocredit.com/legal/privacy","facts":{"developer_id":1738843618,"developer_url":"https://www.kovocredit.com","first_released":"2024-06-12T07:00:00Z","support_url":"https://www.kovocredit.com/help","privacy_url":"https://www.kovocredit.com/legal/privacy","website_url":"https://www.kovocredit.com/","app_version":"1.6.7","release_notes":"Build credit fast and avoid junk fees with Kovo! This version includes:\n\n• Performance improvements","rating_current_version":4.9317,"rating_count_current_version":13104,"star_counts":[127,22,46,229,12680],"genres":["Finance","Productivity"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipad"],"chart":null},"freshness":{"apple_read_at":"2026-10-22T06:38:12.725Z","catalog_read_at":"2026-10-22T06:38:12.725Z","reviews_checked_at":"2026-10-17T09:53:13.389Z","summary_written_at":"2026-10-19T03:14:11.603Z","placed_at":"2026-10-15T06:10:53.127Z","scored_at":"2026-10-22T06:46:12.676Z"},"editorial":{"one_liner":"Credit builder app that reports monthly payments to all four credit bureaus and shows a FICO Score with tips.","what_is":"Kovo Credit Builder is a finance app that offers an Installment Credit Builder at $10 per month for 24 months. Payment performance is reported to TransUnion, Equifax, Experian and Innovis, and the app tracks a FICO Score with monthly updates. The listing also describes referral rewards, a Revolving Credit Builder with a $500 limit, and optional identity protection.","good_for":["Building credit without a credit check","Tracking a FICO Score with monthly tips","Reporting on-time payments to all four bureaus"],"pricing":"Kovo - Fast Credit Builder is free, with no in-app purchases on the App Store.","faq":[{"q":"Does applying hurt my credit?","a":"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."},{"q":"Which credit bureaus receive my payment data?","a":"Payment performance for the Installment Credit Builder is reported to TransUnion, Equifax, Experian and Innovis."},{"q":"Is a higher credit score guaranteed?","a":"No. The listing says a credit score increase is not guaranteed, since scores are calculated by credit bureaus based on many factors, including decisions made with other financial services organizations."}],"model":"claude-haiku-5-5","created_at":"2026-10-19T03:14:11.603Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":14,"tier":"B","score":82.9,"components":{"rating":98.6,"votes":81.2,"rank":51.8,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-15T06:10:53.127Z"}],"main_list":"credit-building","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":135672,"at":"2026-10-17T01:33:13.388Z","kind":"tier_changed","list":"credit-building","app_store_id":6480379937,"app":"kovo-fast-credit-builder-6480379937","from":"A","to":"B","reason":"rank shift: #14, score unchanged at 82.7, tier full (a quarter of the list)","job":"rescore"},{"id":125942,"at":"2026-10-16T10:30:49.475Z","kind":"tier_changed","list":"credit-building","app_store_id":6480379937,"app":"kovo-fast-credit-builder-6480379937","from":"C","to":"A","reason":"score 69.9 to 82.7","job":"rescore"},{"id":96447,"at":"2026-10-15T06:43:53.122Z","kind":"tier_changed","list":"credit-building","app_store_id":6480379937,"app":"kovo-fast-credit-builder-6480379937","from":null,"to":"C","reason":"score 69.9","job":"rescore"},{"id":94054,"at":"2026-10-15T06:10:53.127Z","kind":"membership_added","list":"credit-building","app_store_id":6480379937,"app":"kovo-fast-credit-builder-6480379937","from":null,"to":"active","reason":"Titled 'Fast Credit Builder'; an installment credit builder with $10/mo payments reported to all 4 bureaus.","job":"shadow"},{"id":89829,"at":"2026-10-15T01:05:53.201Z","kind":"app_added","list":null,"app_store_id":6480379937,"app":"kovo-fast-credit-builder-6480379937","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":14,"tier":"B","score":82.9,"components":{"rating":98.6,"votes":81.2,"rank":51.8,"recency":100},"ranks":[{"country":"us","rank":2}],"verdicts":[{"verdict":"keep","reason":"Titled 'Fast Credit Builder'; an installment credit builder with $10/mo payments reported to all 4 bureaus.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-15T06:10:53.127Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-15T06:10:53.127Z","attempts":1,"current":true}]}]},"data_version":40796,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/kovo-fast-credit-builder-6480379937/"}}