Guides using specific credit cards and services like Chime, Perpay, Self, Kikoff, Kovo, and Ava to build credit.

How Does Tomo Credit Work

Tomo Credit works as a charge card that approves you based on your banking history instead of your credit score, then requires you to pay your full balance every cycle,...

What Is A Rent Credit

Rent credit is a service that reports your eligible on-time rent payments to credit bureaus like Equifax, TransUnion, and Experian, helping you build or improve your credit history. It is...

What Is Kovo Credit

Kovo Credit is a credit-building program offered by Kovo that reports your monthly payment activity to credit bureaus, with the stated goal of helping you “boost your creditworthiness” through “timely...

What Is Ava Credit

Ava Credit is a credit-building app from Ava Finance, not a standalone loan product with documented terms. The app helps users build credit by reporting on-time bill payments to Experian,...

How Do You Use Your Kikoff Credit

Use your Kikoff credit exclusively to finance your monthly Kikoff credit-building plan, not for everyday spending like gas or groceries. The entire purpose of the tradeline is to give you...

How To Get Chime Credit Card

To get the Chime Card, you must apply through the Chime mobile app, and you must have or open a Chime Checking Account first. The Chime Card is a secured...

How Does The Perpay Credit Card Work

The Perpay credit card is a Mastercard issued by Celtic Bank that automatically uses payroll direct deposit to make payments toward your balance. Instead of traditional monthly billing, a portion...

How To Order A New Self Credit Card

To order a new Self credit card, you must be a U.S. citizen or permanent resident age 18 or older, have an open Self Credit Builder Account in good standing,...