How will I know if it’s working?

Shortly after registering for Credit Building in-app, you’ll be able to see your current credit history. Every month after we’ve successfully taken payment and reported to the credit bureaus you’ll be able to see your updated credit history, as well as your change in credit history, in-app within the Credit Building page.

Why did my credit history go down?

If outside of KOHO you have missed payments (car, credit card, bills, etc.), tried to get access to a lot of credit in a short period of time, or defaulted on any loans or accounts, then there are negative implications to your credit history that are beyond our control. These are common examples of negative credit activity that might adversely impact your credit history.

What happens if I miss a payment?

Just as making your payments on time will build your credit history, the inverse is true. Not making your payments on time will hurt your credit history.

How long can I use this feature?


The Credit Building feature works in 6-month cycles but, you can resubscribe after it ends to keep building credit history.

Did this answer your question?