Now reporting rent & utilities
Build credit with the bills you already pay.
Kivovo reports your rent, utilities, and subscriptions to the credit bureaus — and gives you a cashless credit line to keep your score climbing. No debt. No surprises.
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Your score
724+38
+47 pts
Avg. score lift
24 mo
Reporting history
$0
Hidden fees
3 bureaus
Reported to
Everything you pay for, working harder.
Three simple ways Kivovo helps you build a stronger financial foundation — without taking on new debt.
Report rent
Add your monthly rent and we'll send it to the bureaus — past 24 months can count too.
Add utilities & subscriptions
Phone, internet, electricity, streaming. The bills you already pay become credit history.
Cashless credit line
Members unlock a virtual line you can use to keep utilization healthy. No interest. Ever.
Your credit story, on your terms.
Start free in under 3 minutes. Upgrade when you're ready for the cashless credit line.