Improve Your Credit Score Canada | Affordable & Secure Credit Building

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Grow your credit score

Let's (re)build your credit score. For only $7/month, you can grow your score and your opportunities. After all, financial goals are life goals.

$7 / month

Build your credit now

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Grow your credit score

Let's (re)build your credit score. For only $7/month, you can grow your score and your opportunities. After all, financial goals are life goals.

$7 / month

Build your credit now

Grow

How it works

1

Start by subscribing to Credit Building for $7/month in-app

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Sit back. We'll report your progress to a major credit bureau and help you grow your credit score in just 6 months — without having to lift a finger

3

Ensure there’s $7 in your Spendable account each month to cover the subscription fee. That’s it!

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KOHO User Testimonials

Questions?

An affordable way to build your credit score with KOHO. Head to your KOHO app and click Tools > Credit Building > Register to build credit.

Please note this feature is currently not available in Saskatchewan.

Want to build your credit score? Start by subscribing to Credit Building for $7/month. We'll report your progress to a major credit bureau and help you grow your credit score in just 6 months — minimum effort on your end required. Your only job is to ensure there’s $7 in your Spendable account each month to cover the subscription fee, and we’ll do the work behind the scenes. Making these $7 payments on time will positively impact your credit score.

No, we believe everyone should have access to building their credit! Upon registration, we do a soft credit check to get your credit score, but that’s it. For additional clarity, this soft check we run during registration will not impact your credit score.

Once you have registered for Credit Building in-app, you’ll be able to see your current credit score. Every month after we've successfully taken payment and reported to a major credit bureau, you'll be able to see your updated credit score, as well as your change in score, in-app within the Credit Building page.

Just as making your payments on time will positively impact your credit score, the inverse is true. Not making your payments on time will hurt your credit score.

To keep it simple: We advise you to let KOHO do all the work after you register. Just ensure there is $7 in your Spendable balance for the subscription fee each month and you won’t miss a payment!