How Kivovo works
A friendlier path to better credit. No new debt, no gimmicks — just the bills you already pay, working in your favor.
- 1
Create your free account
Sign up in under 3 minutes — no credit check, no card required.
- 2
Add your tradelines
Tell us about the rent, utilities, phone, and subscriptions you pay each month.
- 3
We report to the bureaus
Each on-time payment is reported to all three major credit bureaus, monthly.
- 4
Watch your score grow
Track your progress in your dashboard and unlock a cashless credit line as a member.