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Rebuild Credit
Hey there! It's Robert. Congratulations making it to this secret page only available to my Restore It Credit Clients!
Please explore links below.
These Credit Builder Tools are all powerful and will help BOOST your credit FICO Scores though positive pay history over time or debt utilization and credit mix. Credit Mix meaning Installment and Revolving accounts.
Better Credit Benefits:
1. Qualify for unsecured credit cards with rewards and perks
2. Negotiate & qualify for better deals on Auto purchases, Home Purchases, Refinance and even Rent Approval
3. Improve chances of getting hired
4. Access better and lower interest rates, higher limits, best terms & more!
(DISCLAIMER): When you apply for credit even after your Boost your credit scores I/we cannot guarantee your approval as I/we am/are not the lender nor do I control or generate the guidelines for approval decisions) Some lenders in some cases look even beyond your Credit FICO Scores and may determine your approval based on many other factors including income, employment & more.
Kovo (and Ava, Kikoff, Self) will still let you sign up even if you have delinquencies, collections, or past credit problems. They don’t run any credit check, so your past issues don’t block you from joining. It's also ideal for people with no credit or thin credit.
1st ===
KOVO
Build Credit FAST
BOOST SCORE POTENTIAL BELOW
+70 Points (approximately but not guaranteed exact boost)
Installment Account will stop reporting as soon as you cancel
NO Credit Check
NO Hard Inquiry
NO Hidden Fees, No Sign Up Fee, No Set Up Fee, No Activation Fee
Reports to ALL 3 Bureaus & hidden Bureau Innovis typically reports within 30 to 45 days of payment draft.
$10.00 per month /month to month and reports every single month active. First charge hits within a few days of signing up, then it’s $10 every month after that.
INSTANT Approval
For your Car, House your Future
2nd ===
Rent Reporters (ONLY IF APPLICABLE & YOU RENT)
BOOST SCORE POTENTIAL BELOW
+40 points in just 10 days. (approximately but not guaranteed exact boost)
Reports to all 3 credit bureaus typically within 7 to 14 days of payment draft.
Report Up to Past 4 Years Rent Payments
Reports As a Installment Account
NO Credit Check
NO Hard Inquiry
NO Hidden Fees
Only $10.95 per month (One time +94.95 sign up fee) or save & pay 1 Year $105
which works out to $8.75 per month. NOTE: It auto renews after 1 year
but you can cancel anytime through your dashboard or by emailing them and you will keep service & reporting until the end of
paid year. It won't cut off right away.
After adding their rent to their credit file, our customers see an average increase of The score boost is from past payment history.
Build your credit by reporting your rent. Let us help you build and improve your credit so you can jump start your financial future.
Make sure your rent payments are factored into your credit score—establishing positive payment history and boosting your score!
You can report up to 2 years of past payments for a big boost and continue to build credit with each payment!
1. Provide some basic information about you and your landlord to start building credit with rent – plus you can add up to 4 years of past rent payments.
2. Verify Your Rent Once we validate your information, your rent is verified each month through your landlord via text or email, or through your connected bank account. Make sure your landlord’s contact information is up to date and that they’re opted in to receive messages.
3. Your rent payment history is reported to the credit bureaus and added to your credit report as “RR/Residence.”
Watch Your Credit Improve. Consistently reporting your on-time rent can help you build your credit over time – opening doors to better rates, new credit approvals, or even homeownership.
3rd ===
AVA
BOOST SCORE POTENTIAL BELOW
70-100 Points (approximately but not guaranteed exact boost)
Reports to all 3 credit bureaus typically within 7 days of payment draft.
Link to Subscription(s) to get reported or Don't. Just let it sit and report.
Reports As a Revolving Account just like a regular credit card Credit Limit of $2,500.
NO Credit Check
NO Hard Inquiry
NO Hidden Fees
NO Interest
Only $10.00 per month or save and pay 1 Year $96.00 (Works out to $8.00 monthly)
NOTE: It auto renews after 1 year but you can cancel anytime through the app and you will keep service & reporting
until the end of paid year. It won't cut off right away. You can pay the annual fee and then cancel and you still get 12 months reporting.
Also YOU DON'T HAVE TO LINK ANY SUBSCRIPTIONS!! You can sign up. Let it sit at $0 balance forever, and will still report positive.
With Ava, you link recurring subscriptions through their approved merchants—think streaming, music, gaming, phone bills, and a few others. It's not open-ended; the card only works at these spots, usually capped around twenty-five bucks a month per charge to keep utilization low.
Here's a quick look at what fits: Netflix, Hulu, Spotify, Disney+, Amazon Prime, YouTube Premium, Verizon, Spectrum, GEICO—stuff like that. They have over fifty options total, heavy on digital services. Again, YOU DON'T HAVE TO LINK ANY SUBSCRIPTIONS!!
4th ===
SUPER Secured Card
BOOST SCORE POTENTIAL BELOW
People see +20 to +50 points pretty quickly from the utilization alone,
plus more over time from on-time payments. (approximately but not guaranteed
exact boost)
The score boost is mostly from that instant utilization drop, so it can help
a lot if your current utilization is high.
Reports to all 3 Credit Bureaus
$1 (1st 60 days) then $15mo.
No Credit Checks
NO Hard Inquiry
No upfront deposit
Zero/No Interest
Get $5,000 Credit Utilization BOOST
Reports As a Revolving Account just like a regular credit card Credit Limit of $5,000.
Credit Education and Tips
Score Monitoring and alerts
Debt Analysis & Score Simulator *(Scores are a mix bag so don't get fixated on these ones. The FICO Scores is what we will focus on at the end of our Credit Rebuild Journey.) — some folks say it feels like a debit card that reports to credit.
(IF APPLICABLE BUT NOT REQUIRED!)
Rent Reporting only available on Super+ thats the $15 mo membership up to 24 months past Rent Payments (No Need For Boom)
The 5k Is not a usable line for spending. You can't charge anything on that five grand—it's purely a ghost limit to inflate your available credit and tank your utilization ratio (like, if you've got other debt, this makes it look way lower).
From their own guides: "Although this $5,000 line is not available for purchases, it helps enhance your available credit limit, consequently lowering your utilization." So yeah, instant BOOST on paper—super enticing if you're high-utilization elsewhere—but actual spending? Tied to whatever you deposit into their account, that's the amount you can spend (up to five grand max, like a normal secured card).
P.S. If you decide on this one and IF DON'T NEED RENTAL REPORTING. JUST SKIP IT WHEN OFFERED. See more details Below.
Here's exactly how to do it:
Download the Super app, sign up for a free account, then upgrade to Super+ — that's $15 a month (or $60 if you pay yearly, but it's monthly by default).
During Setup:
You can transfer/deposit (minimum $5– whatever YOU WANT) that secures the card. (ONLY IF YOU WANT TO SPEND WHAT YOU LOAD)
It gives you a $5,000 credit limit reported to the bureaus from day one. YOU CAN KEEP THE LOAD BALANCE ZERO AND DO NOTHING.
Manually OPT IN to Credit Reporting in APP and Reports within every 10th and 15th of each month from 1st payment draft.
It usually takes 9 to 14 days after you payment drafts before the first report actually shows up on your credit report.
Rent reporting is completely optional — when it asks about reporting your rent, just skip or decline it. You only get the card for the $5,000 limit and on-time payments.
===
Can I Sign up on my Laptop?
Yeah, you can sign up on your laptop. The process is basically the same — create an account, upgrade to Super+ for $15 a month, and you'll get access to the card with the reported $5,000 limit.
Rent reporting is optional, so just skip that step when it asks. You don't have to turn it on. The card itself works on the website dashboard too, though the app is smoother for daily use.
5th ===
KICKOFF App or Website (FYI Not a game changer once you have AVA already running)
Here's the direct sign-up link for Kikoff's $5 basic plan:
BOOST SCORE POTENTIAL BELOW
Users starting under 600 average +28 to +30 points in the first 30 days, with many seeing +50 to +70 point jumps early on from the utilization drop. Over a full year with on-time payments, that average climbs to +84 to +86 points (approximately but not guaranteed exact boost)
FYI, Here's the thing (Real Talk): Kickoff's $750 limit is still pretty small next to Ava's $2,500. So the utilization boost from adding Kickoff on top of Ava is way smaller. At $5 a month, it's cheap enough that if you want every possible edge and don't mind the extra account, it won't hurt. But it's not a game-changer once you already have Ava running. Most of the heavy lifting is already done.
It takes two minutes — just enter your email, create password and hit "Get Started" and you're in.
Download Mobile App (Most Popular) or Go to website to create an account and Log In.
Reports to all 3 credit bureaus typically within 7 to 14 days after payment draft.
Kikoff's Reports As a Revolving Account just like a regular credit card Credit Limit of $750.00 on the basic plan for $5 bucks a month
App download and sign up $5 monthly
No Credit Check
No Hard Inquiry
No Interest
No Hidden Fees
It's a **real tradeline** that shows up on your credit reports, but it's not a regular credit card you can spend anywhere. It's a revolving credit line — basically a special account — that you only use to finance your monthly Kikoff subscription, like five bucks a month. You pay that back with your debit card, and they report the low balance and on-time payments to all three bureaus.
So it's not phantom line or fake — it legitimately helps your utilization ratio and payment history. You just can't swipe it at the store for groceries. You can set up Auto Pay as well
6th ===
SELF
>>> https://www.self.inc/credit-builder-loan
BOOST SCORE POTENTIAL BELOW
An average boost of about +45 to 49+ points after finishing the full 24-month plan, if you make every payment on time. Some folks see it sooner — like +30 to 60+ points in the first six to twelve months, especially if your score is starting low or you have thin credit.
It depends on your starting point, though. If you're completely new to credit, it can jump even more. If you already have some credit history, it might be less dramatic.
One-time $9 admin/setup fee when you open the account.
You pay $25 a month for 24 months, and at the end you get back most of your money minus a small fee.
They also have $35, $48, and higher options. Pick the lowest as it will help the same.
No Credit Checks
No Hard Inquiry
Reports as an installment account
Zero Interest
Reports to all 3 Credit Bureaus
Reports within 30 to 45 days after
payment draft.
No Hidden Fees
Self is super easy to get into.
You pick a plan, like $25 a month or $35, they put the money aside for you in a CD, you make your payments, and they report every single one on time. After 24 months you get almost all your money back.
Just head to that site above or download the Self app, and you can pick your plan right there. Just choose your plan, make your first payment, and they start reporting after it clears.
Bottom line: It's a credit-building tool with a savings side effect, not the other way around. You're trading a few hundred dollars for the reporting and discipline. If that trade-off fits your goals, it can work well — just go in knowing it's not "free money" or high-yield savings. Check Self's current pricing directly, as terms can shift slightly. In short: The interest you "earn" on the CD is tiny compared to what you pay on the loan. Most of what you "get back" is just the principal you've paid in, minus the built-in cost of the service. But that's ok. The point is that you are trading dollars for positive reporting credit that you could not get otherwise.
BONUS TIP: It also helps your credit mix by adding an installment account (different from a revolving line like Kikoff/Ava but great combo if you sign up for both).
Yeah, that combo works fine. $5 KICKOFF as well as $25 SELF is only $30 a month total! — and you get a revolving tradeline and installment tradeline mix that helps boost your overall credit! Both report to all three bureaus now, so you get solid coverage.
Self is only a good idea if you’re 100% sure you can make every single payment for two full years without missing one.
Self may give a 15 day GRACE PERIOD but I would make sure to pay the $25 or $35 Monthly Installment Sooner to avoid a late.
(NOTE: I/we (Restore It Credit) cannot guarantee your approval as
I /we am/are not the lender nor do I control or generate the guidelines for approval decisions)
