Kovo

Kovo is a consumer credit-builder platform that lets members open a $10-per-month installment account with no credit check, no hidden fees, and an instant decision. On-time payment performance is reported to all four major credit bureaus (TransUnion, Equifax, Experian, and Innovis), and members can track their FICO Score alongside identity-theft and data-breach monitoring. Kovo also runs a rewards program offering up to $1,225 in incentives, including cash back on loans and cards and referral bonuses, and operates as a public benefit corporation.