Name: Ava: Build Credit History Fast
Rating: 4.88023 (14429 reviews)

User Reviews for Ava: Build Credit History Fast

4.88 out of 5

14.4K Ratings

2 years ago, Cyrus Asgari

Forget the bad reviews, and also get that this company isn’t very big.

This actually builds your credit, and for $36 a year or $3 a month you are able to not only to pay off your Apple subscriptions, your other bills, but you are also able to put money into the builder account to be able to create savings. This is a no brainer and unfortunately some haters here want to shut down this awesome concept. What I’m trying to wrap my head around is why are these 12 year olds trying to make this app look very deceptive and untrustworthy. I’ve had this app since May, and other than one day during the summer this app didn’t want to open I have had zero issues with them and have made 7 on time payments with Ava so far and put $105 towards saving. So ladies and gents, get your act together and acknowledge that this company is run by a former credit karma employees, the structure is still in its early stages, so just be patient and stop being so stubborn because you couldn’t get customer service to contact you the same day or you got over charged. Thank you Ava, for giving me the opportunity to build my credit with you and allowing me to save. You have my respect but please make the app less prone to crashes, it can still happen frequently. Cheers!

2 months ago, @Bubbaluv84

An app that’s really for you I promise

Ava is the best thing out here friends There are so many programs and apps out there that claim to be the ones..:) right!! that have the solution and that are for the consumer right for the people right but I'll tell you AVA is here for us my friends my situation may or may not have been as bad off as your situation who knows I was possibly way worse off than you are or were but that's what's unique about Ava it doesn't matter who you are or how good or bad your situation is is going to benefit you and it's gonna happen in a huge way in a short period of time it's literally set up to cater to you it's $10 and it's actually your money and it's actually money that you spend already on the stuff you use and pay for right now today on an every day basis it's the greatest thing ever man it's awesome this is the program you want to be apart of I'm so glad I've found this and it's benefiting me and in two weeks I'm Ava has helped me increase my score 59 points it reports weekly did I add that to all major credit bureaus l promise you will not be disappointed if you take my word for it just give Ava a try my friend

1 year ago, Corephan

It’s a Double Edged Sword ⚔️

Hi there I’m a financial & credit enthusiast. Now I still Advocate for Ava, IF your financial situation can benefit from it, but it can be a stagnation or In my case drop it by 105 points and slow down my business & finacial content creation. But none the less it doesn’t take away from what the goal of the service does it just not for everyone. My personal experience: I signed up for Ava on Feb 2023. Now, before I advise anyone that comes to my channel and or recommend a service I let them know I’ve use it! In my case with a great credit score and a high credit line + good credit mix of accounts. it truly didn’t benefit at all. But I still got to show I use the service before I advocate for it cause my situation it didn’t help but if I had a low mix of credit, and the 3600 credit line being report can benefit others! My specific issue: throughout signing up and setting up Auto Pay & connect checking & savings. They emailed - which some of their email are flagged as Spam, mentioning a disconnect with autopay being blamed on plaid. With no info as to why? Now this is why it not a plug and play even though they state to just keep the bare minimum funds cause B2B they disconnect Autopay. Coming back from my international business tour, sitting down with financial advisor it was brought to my attention that my score drop 105 points. I reached out by email to have clarification & dispute. They respond still not clarifying.

1 year ago, grimaxis

Efficiently Managing Your Finances with Ava

After using the Ava Finance app for a few weeks, I can confidently say that it offers an impressive suite of features to manage, track, and plan your finances. It's user-friendly, intuitive, and straightforward - even for a beginner. The interface is sleek and easy to navigate which makes financial management less daunting. One of the star features is the real-time tracking of spending; it categorizes your expenses efficiently, helping to understand where your money is going. The financial planning tool is a great way of setting and achieving short and long-term financial goals. Customer service was responsive and helpful, addressing my concerns promptly. Future updates may increase the app's versatility, as I look forward to having more features and further support for various financial instruments. Remember, the effectiveness of a financial app greatly depends on individual financial habits and needs. So, what works best for me might not work for everyone. Regardless, Ava Finance offers a comprehensive package that can be useful for anyone looking to better manage their finances."

6 months ago, klbbm15

I Love an HONEST company!

Ava had claimed from the beginning that my credit score would increase, maybe not within 30 days but after a couple of months, and they were not lying. I have been with them for 3 months now, and my score has increased by 48 points. For those of you that know a thing or two about the credit world, this is not easy to do! I am beyond happy with Ava thus far! I think that the fact that this app was started by former employees of Credit Karma who thought the credit world was unfair, plays a huge part in why Ava works! They know what needs to be done in order to increase credit, and increase it fast! If you’re score needs a boost, then sign up for Ava! You won’t be sorry! They have other features that are beneficial to someone who wants to improve their credit score, without paying a bunch of money to a lawyer or a company who will financially screw you over while claiming to “fix” your credit!

4 months ago, Livi’s MiMi

Love it!!! 119 Point Increase!!!!

I have been using Ava for one month. At first, I was really disappointed in the amount I could actually spend on the Ava card. It was so low, I could only pay for a couple streaming subscriptions. Then I researched and found out WHY. Ava only lets you spend a low amount because they want you to be able to pay it back, and they want to keep your utilization low. I was still a little skeptical, but then I saw my updated score yesterday. From May 9, 2024 to June 10, 2024, my score increased 119 points!! I would do it all over again if I was given the choice. If you’re skeptical about Ava, give it a shot. Yes, there is a monthly fee, but it’s totally worth it to better your credit FAST! Thank you, Ava!! Next stop- 700 Club!!!

6 months ago, Anachronda

Beware this app there are serious problems with it

On many credit oriented apps there is an option to view available loans based on prequalifying conditions, then allows you to decide whether to apply for them. This app seems to skip the decide step. After simply choosing to look at that option I received notification through text and email from scores of different loan companies indicating that a loan had been fully applied for and approved or not approved. All those hard credit checks are dings on the credit as well as any rejections, which the latter are bound to happen with so many blind approvals. I tried to get help from support but they were unable to even begin to assist me in finding out what companies had been applied to. To even begin to undo the damage. As for the general use case of having it pay for a subscription and you pay it back, the flaw there is they restrict your ability to pay them. So you can't just pay them back right away and have that credit available in time for the next charge. Reached out to support on that and they said this was how it works. Not great.

9 months ago, Memers1992

It’s good but I feel could be better

There was one person who left a review saying that for 3 dollars a month she is able to work on her credit and save money. That is nowhere near what I pay for my subscription and I don’t have the saving account on mine because it would be more money but it is a good idea to be able to save money throughout the year and then get it back once you have saved for the year. Also I think it has been close to a year that I have used Ava but I also do use more than just Ava to help build my credit so I’m pretty sure it hasn’t gone up just because of Ava. Pretty sure it is because I recently just started occurring credit. Like got a credit card within the same year, bought a car, make my payments like I’m supposed too. Yes I think this helps but I don’t think that all of my points have come from Ava.

9 months ago, Primo_RT

Misleading

So this app advertises a guaranteed credit card approval of $2500. What they don’t tell you is that to utilize it u have to also use the saving builder account. The amount you put in the saving builder will determine how much of the Credit card you use. I don’t need another savings account or prepaid credit card. So I spoke to a representative via email and asked to have my saving builder account closed they never bothered to mentioned that the savings builder account was directly tied to my “credit card” utilization limit. Since I did not know this I put this card on several of my accounts to auto pay and most of them declined because of this card only allowed me to access $12 of the $2500. Keepn in mind I’m paying $6mo for this. I can not pay any of my bills as well with this card. I thought this was going to be a good thing but it turns out is not. It might work for you but I’m disappointed in this apps service.

2 years ago, d.genell aka Icandy7

Unable to get pass address verification process

So I try out this Ava credit building app because your promise. Then after downloading the app & receiving email link to proceed with adding information to start my Ava account then I ran into issue when attempting to input my mailing address it seems as though it isn’t recognizing my the address that I’m currently residing. Every time my address is shown on search then I tap that then try to add apartment info then I get a error message stating I need to address full address information. So unable to complete to resignation process in order to determine if I’m even eligible or approve for account. I’m hoping after this review that Ava support can help assist with continuing the process or fixing the issue that’s causing the clinching within Ava app so that way I can finish application process. Hoping someone from Ava support teaches put asap. Thanks.

2 months ago, Stacktheecredit

This app is legit!!!!

I started using Ava in October of last year. I honestly wasn’t sure what outcome I’d get but I decided to go for it. Ava is super easy to use, it literally has all the subscriptions I use monthly which made it easier for me. Ava ensures that you only utilize less than 13% of the allotted credit line which makes it easier to manage your credit. It was a plus that it reports to the credit bureau as you make payments. It the matter of 9 months my score has increased by 80 points. Ava will help you increase your scores while you enjoy your monthly subscriptions. Download it today you won’t be disappointed !

3 months ago, Ugly Kidz Nft

Do not use this service!

This company and its employees are frustratingly unhelpful! They claim they can't verify my identity despite my efforts. I've submitted my licenses, SSN, two utility bills (electric and cable), and a photo of myself holding both bills. My ID doesn't match my mailing address because I'm currently homeless and staying with a friend. I put two bills in my name so my son can attend school. My mailing address is a USPS address in Georgia, while I'm temporarily staying with a friend in Washington, DC until I find a place. This address has been on my credit report for 14 years! Now, they're telling me I need to provide a lease. How can a homeless person provide a lease? I've given them everything except my birth certificate and marriage license. Who would try to sign up and help build someone else's credit? If I were applying for a credit card, I could understand, but their procedures are ridiculous and need to be changed! Now they tell me they can’t approve me! They are worse then the Bidden Administration

3 months ago, DeraBeeee

Great tool

Ava’s up front about how the process works. I’ve been utilizing a lot of different programs to help bump my credit up, including Ava. It’ll be a year this month, and with the combo I’ve raised my score 77 points. I had one small issue with Ava disappearing off my TransUnion report, which dropped my score a few points. I contacted customer support and they were quick to respond and help me resolve the issue. ONLY minor inconvenience is certain payments won’t autopay out of your account if your balance is below a certain amount. But you can still go in the app and make the payment manually. I understand the reason behind the process, just inconvenient for me sometimes. Overall, a great app and it’s been one of many things to help me get my credit moving in the right direction.

8 months ago, Pretty In Mink

SCAM

Everything was working fine until I wasn't able to make proper on time payments using ANY card which caused me to fall two payments behind and hurt my credit score more than it was before signing up. When I contacted "customer service" via email they informed me that there was a "freeze" on my account and I needed to provide documentation from my bank explaining that the hold wasn't OFAC related?! My bank had absolutely no idea what hold they were speaking of or why they would even request such. My bank advised me not to continue business with them suspicious of some sort of scam because I am not in a foreign country nor have I done or received any international wire transfers so what could be the real reason for claiming this imaginary hold?! I closed my account (since I wouldn't be able to make payments anyway due to them blocking payments) and I just won't be doing any business with this fishy company.

2 weeks ago, Worthless88

Hello

So I started using the Ava app for about 6 months an have seen a really good increase from what there app was showing me but for some reason when I log into the the website to check my credit an to compare the two my score has went down a few points on the website while it went up almost 100 points on the app so why would this happen if I was to try an apply for credit an they was to pull experian report I was be denied due to low credit score so what’s the point on continuing to use Ava if my score doesn’t match what’s on there website an when Ava notify me that my score gose up it doesn’t online when someone pulls my credit if I’m applying for something there going to see my score from online or will they see the score Ava is telling me

3 years ago, annieggc

One ⭐️

I just gave this company access to my most sensitive information just for it to tell me that my bank account supposedly never received over $1400 in deposits to qualify for a freaking $6 a month membership to boost my credit, meanwhile just on the 14th I had a major deposit of $2500 and on 11/30 one of $3200… so basically something isn’t accurate in its findings for making decisions which makes me believe there’s a risk that this company won’t boost my credit because it can’t even connect customers banking for such a small membership fee. I’m very picky about details, I’ve been working on my credit and have experience in the knowledge of what it takes… on time payments vs utilization…. Another bothersome issue is they offer two high impact products and nothing else. I’m not willing to take a major hit off the hope it raises “an average of 45 pts”… that’s not a smart move.

8 months ago, Amro Moumen

Heartless company

I unfortunately was going through the death of my dog and had to pay thousands to cover the bills and burial costs and went behind a few months on the payments but paid it In full. I spoke to capital one and they were able to remove the late payments and were Amazing and very caring. Now AVA told me that it’s against FCRA to remove the late payments which is 100% NOT true. The company will not remove late payments to help one of their first ever customers fix credit but claim to be a company that wants to help. It’s really sad how companies like this even get a license to do this. I had to deal with the death of a dog I had for 15 years I was mentally unstable yet the company could care less. If I could give less than 1 star I would. They would close the ticket before looking over my concern. It was Anna K and Harmony that I spoke to. Anna K is the most heartless person I spoke to.

1 month ago, sheluvdickk

The goat

Now let me just start off by saying this if you’re in a position where u want to increase your credit but not add a monthly bill Ava is the goat 50$ for 6 months of them reporting a 2500$ credit line to your report and just 50$ one time payment that’s it and at the end of 6 months you renew if you choose to I will not only be renewing my plan but I will be upgrading my plan to the 60$ membership because for only 10$ more Ava is going to report 3500$ line of credit and they automatically report on time payments without you having to make a single monthly payment that’s why I call Ava the goat🌠

1 week ago, It’s That Guy

Unnecessary Fee Hunters

I Always keeping my bank account with a $300 balance but anytime I try to make a payment in the app using the ACH option, it returns with a message saying I need to have a minimum of $50 in my bank account to make a payment. In order to make a payment I need to email the company so they can process the ACH payment. THIS ALWAYS RESULTS IN A LATE PAYMENT. Though they allow me to pay using a debit card at anytime, as long as I pay a $3 Service fee. Why would I pay an unnecessary fee when I have more than enough funds to process the ACH. This ultimately impacted my credit score negatively, and has left me in a worse financial situation than when I started using this service 12 months ago. Stay away from this app. Use the SELF app instead. (This is not an advertisement. This is a statement from a customer who has used both services.)

1 year ago, TrueGem89

Are you ready for the upgrade?

Ava has helped me a lot with my credit score. My credit has raised about 60+ points, which is what I desired to get me where I wanted to be at 650. Now I am ready to continue my credit journey in reach my second goal of 750. I know it will take time but at the end it is all worth it. If you are trying to raise your score for whatever reason I would recommend you work with Ava as you will not be disappointed. Just make sure you are consistent with your payments and you will be fine. Best wishes to all who read.

1 year ago, Kelsey Brie

Ava Bank Linking Issues

My experience with Ava has been rather frustrating. I signed up and linked my bank back in April, but it was only in June that I actively tried to utilize the app. Unfortunately, that's when the problems began with linking my bank. Despite successfully linking my bank account in April, Ava now consistently displays an error message whenever I attempt to use it. The message claims that Ava does not support my bank, which is confusing since I had no issues initially. I've tried numerous times to link different banks, including a bank I am apart of that my my fiancé uses successfully with Ava, but the error persists. It's been two months, and I haven't been able to access any of Ava's features or services. This situation is incredibly disappointing as I was eager to use Ava to improve my credit. However, the ongoing banking issue has prevented me from doing so. I hope the developers can address and resolve this problem promptly so that others don't encounter similar obstacles. As for my experience, I can only give Ava two stars for now due to the persistent bank linking issues. I remain hopeful for a solution, and if the problem is resolved, I'd be more than willing to update my rating and give Ava another chance

8 months ago, Mreese18

Not Impressed…

I was actually really excited and was finally hoping I had found something that could actually help me get back on my feet right like I used to be a couple years ago but, this app literally made me stop looking anywhere and everywhere for the tiny extra little help because everything that was said in multiple of their ad videos I’ve seen around everywhere is all lies. Nothing is that instant about it, I didn’t even get one single ounce of help for the half a year if not honestly full year that I had this app, you do have to spend a ridiculous amount of money that supposedly “you don’t even have to add.” I could go on and on but, I’m. It going to sit here and write a book about how it’s not even surprising anymore when others and/ or myself find yet just another daily low life scamming mf’ers

8 months ago, Daisygirl82

Not sitting right with me

I got an email I was approved for $2,500 and when I went on the app I linked my bank but when I went to enter my address and other info I kept getting a message I had to manually enter information as their was an error. So, in order to manually enter my information I had to take a selfie with my drivers license to verify my identity. Thought that was a little odd but hey it is what it is. I then received an email back stating they needed more information. They needed a photo of my drivers license, front and back photo of my Social Security card, a copy of a utility bill, showing my address and a copy of my mortgage or lease. That’s when I decided nope not interested, not sending them anything, that’s asking for trouble. Deleted the app and will not trust them ever again. Not worth it to me at all.

2 years ago, gaminmomma38

A must have!!!!!

This account is amazing! It’s perfect for people who don’t want to get stuck with credit cards you can use for any occasion. Somehow you end up spending more in interest and getting further behind. I have had this app for only a month and my credit has already gone up 37 points! We are trying to get new flooring in our house and needed a credit boost without the hassle. This is highly recommended if you need to build credit, but don’t want the everyday card!!!!! (Trying to talk my husband into doing this too) thank you Ava!

2 weeks ago, Mikeg97

Helpful and Improved my score

Ava has already improved my score by 20+ points in a short period of time. Not only that, but the customer support team is very helpful. I had a problem(my fault), and Travis answered my email quickly and was able to give me a solution the same day. A-lot of the negative reviews are from people not realizing the credit line is used to help you not overspend! If you read what you sign when opening the account you will know this beforehand. From my experience, I highly recommend!

2 years ago, D1am0ndJ

No customer service!!

I got locked out of my account when I got a new phone and tried to login but there is no login to get back into your account as they ask you to open a new account but no way to log back in, I sent an email to support and after 3 days still haven’t heard back so I’m just gonna let them collect what I owe then I’m locking my bank account to not allow any ACH withdrawals so then they’ll have to close my account, great for building up credit but if you get logged out good luck getting back in, horrible customer service and no way to log back in, I don’t recommend them if this ever happens to you so I left 3 stars for that reason, thanks for nothing!!

2 months ago, KennyDreamy

Used to be good. Very bad now

I’ve had this app for a year and half now. And this is now my second loan with AVA. The app used to work fine, I had no issues viewing payment dates or anything. Now… for the past 4 months I haven’t been able to see anything! I’ve emailed them 3 times explaining that it is impossible to view my payment information or ensure that I’ve made payments. All they say is “we received the payment”… but my account will not reflect these payments! Only old payments when the app was fully functional. USE A DIFFERENT APP! Kikoff and Self are better options. These ppl have bad customer service (takes them weeks to respond to these issues! This is too long when credit is involved)

1 year ago, Ashley Gask

An excellent tool for wherever you are in your credit journey!

If you're just starting off in building credit or working to pay down existing credit card debt, this app works brilliantly to keep you on track by providing a buffer with a high available credit limit, of which you can only use a certain amount for certain purposes. And while some may find that limiting, some of us need that limit, and that's what Ava is for. Plus I appreciate that it essentially consolidates most of my subscriptions. Thanks, Ava!

11 months ago, La-sh

AVA

You must read the reviews!!! AVA had me communicate with 3 different representatives. First there was Brian who couldn’t fix any issues. Then, there was Anna who couldn’t seem to get it right. Last, there was Harmony who the company had answer the phone. All the poor communication with this company took a little under a week for me to get nothing resolved. In addition, to this company receiving all documents they needed in order to get everything resolved. I believe this company is ran by young adults who are still learning or perhaps just confiscating people information which will eventually catch up to them if this is the case. There’s never a manager around which leads to skepticism. Whatever, you do make sure you do your research before signing up. It will relieve a lot chaos.

2 years ago, Rodman277

53 point boost in two months!

Was a little skeptical at first but after using it the last couple months my score jumped 53 points! They report a $2500 credit limit to all the three major credit bureaus and they always keep it under 30% utilization which is what gives you that credit boost. They also offer a credit builder loan that you can pay into and helps establishes on time payment history. I would highly recommend to anyone trying to repair their credit!

7 months ago, Forced Gmail User

Hidden pricing & awful CX

If you sign up on the website, it guarantees transparent pricing of $9/mo. However, it is actually the charge for paying upfront for 6 months and then it’s $6/mo for 12 months. Rather than misleading consumers into believing you can subscribe monthly, why not stick to your value of transparency? Customer service was awful in trying to convince me this is a system calculation that cannot be fixed in the app when each and every time I told them I signed up on the website. They did not they would fix the issue or route to the appropriate department or offer any kind of credit for the error, lost time, inconvenience, and utter disappointment in being run in circles by them. There was no effort to make it a good experience and give Ava a try.

9 months ago, Danwdrake

DISAPPOINTED EXTREMELY

I started this “credit building” app this past summer. I’ve used many others similar & enjoyed the extra little help. But this one did thee exact opposite of help. After making several payments with no problems, it suddenly wouldn’t accept a payment from any of my 3 debit cards. I tried emailing & calling to no avail. It’s only a $21 payment per month so I figured they would figure it out. Wrong! By the time I finally got in contact with someone they flagged me for a late payment. Refused to delete said late payment. My credit score fell 70 points thanks to Ava!!! Such professionalism. I’m still in shock that I’ve had no problem with Self, credit karma, cheese, kickoff & others. Yet Ava destroyed years of hard work. This app is not worth the risk! Trust me.

6 months ago, theotheramishjoe

Not bad at all.

I signed up but never used the 2500 dollar line of credit, and I believe it helped me get a car last November after my jeep broke down. To date, my score is at 598 compared to 515 before and I have yet to use any of the app credit. I believe if more people were to open more lines of credit but leave it sit there, it would build your credit up. I still have to pay off this car but since I’ve been rear ended in it in January, some of the insurance money will go towards that.

1 year ago, charlieliz

Actually works

Pros: This actually does report as a new line of credit with low utilization on your credit report, and it does help improve your credit. Cons: While you are approved, and a line of credit does appear on your credit, the actual credit you are able to use is pretty small, so don’t plan on thinking you have access to thousands of dollars to spend. It still does help improve your credit and is a handy way of paying smaller subscription costs.

8 months ago, SamJ0122

Scam tactic to pay $3 debit card FEE

Signed up for the card and the savings builder, only linked my Checking not Savings Account. My due date is today- get a message saying auto pay failed/ either acct no longer linked or insufficient funds… Really, it said I need a minimum of $100 in my account for auto pay to work. So I check the balance and it’s $70, the payment due was only $16. THEN I was forced to pay with my debit card and a $3 fee so payment is not late. Nowhere on this app or website does it say I have to have $100 dollars minimum in my checking for auto pay to work! It says that after you get the spam email that tells you payment is late-but its not! I have plenty in my savings but I did not link that account… Cancelled subscription!

1 year ago, TeezyOSO

You can TRUST AVA. 84pts in 2.5 months

I'm delighted to share my stellar review of the "Ava" credit building app! In just 2.5 months, my credit score soared by an impressive 84 points. Ava's simplicity and effectiveness make it the top choice for credit building. Not only does it help improve your score, but it also helps save money. If you're already paying for subscriptions, why not simultaneously build your credit? Ava truly reigns supreme in the realm of credit building. Also pay for the yearly plan because it a sweet deal.

11 months ago, Joeyd199022

Stay away, use a different company

Just like the title says. Stay away from this company. I figured I would try my luck with this company and see how things worked out and it really seemed no different then Bright or any other Credit line company. Turns out everything was difficult, setting everything up to the point was a pain to where I tried getting a refund back after paying for the year. After trying to deal with their horrible platform and get my refund minus a cancellation fee. I was told that it would just take 5 to 7 business days. Numerous emails later and almost 3 weeks later… still have yet to receive a refund. It’s starting to look like it’s a little bit of a wash and I might as well let that $70 go. The only good thing is that they respond to the email, even if it takes about 24 hours. But a lot of the good comments after doing your research for this app have come from the people that work for the company or their family members. If it was up to me and I could redo this again. I would go with a bigger company and stay away from AvA.

1 year ago, nayamay333

Sadia94

This app truly has done what it promised when I signed up. At first I was skeptical but signed up when I saw it was through Credit karma, feeling it would be safe.. now I’m just surprised at how fast I’ve seen an improvement. I went from worrying over awful credit to now being able to logically plan how to build it from a better starting point. Such a relief 🙌🏼 Download it and give it a try, it’s less than Netflix a month and serves a much better purpose in the long run

2 years ago, Salehdidit

Low Cost Credit Booster

I had my score boosted by the payment of an installment loan - this of course wore off with time. Not wanting to buy another car just to boost my credit (!), the Savings Builder from Ava was the perfect low-cost way to keep my credit score elevated. Great app, the credit builder card seems pretty nifty too with its high credit limit. All for a price lower than SeedFi and other competitors which hide their prices behind high interest rates or scummy "stores" (I see you, kikoff!).

3 months ago, JessGtz123

Not worth it

I am extremely disappointed with this service, given the fact that Credit Karma does the exact same thing for free. I signed up when I was desperate to improve my credit for home buying purposes, but it traps you into a $9 monthly fee for a full year. If you cancel your membership early, they say it will affect your credit negatively. This month will be my year, and I intend to cancel as soon as my last “loan” payment is processed. My credit did not budge after several months with this service. My score finally jumped up quite a bit when I had a large student loan discharged, but AVA can take absolutely zero credit for this.

10 months ago, TommieEgon

be warned

It seems like this will work but they stretch the truth on the word credit card and you only find it out where it can be used AFTER signing up. The $2500 is real but…. It only works in a handful of places. I tried putting the “credit” info in to KO some bills to consolidate things and it didn’t accept it saying this is a pre-paid card. So I essentially spent $75/6 months to pay less then $150/month in recurring bills. I won’t be extending this. UPDATE: if I could go lower on stars I would. That $2500 they promise is real. But your only allowed $25 despite having multiple subscriptions and recurring payments. It is a secure credit card despite what they tell you!!!! You got my $75. But won’t get it again!!!!!

2 years ago, michael from shreveport, la

HANDS DOWN THE BEST CREDIT BUDGET APP FOR LOWER INCOME AMERICANS!!!!

After searching for credit building apps, I came across Ava and figured I would give it a try not only is it a credit building app it also has a savings feature. I also can’t say that I have been late on a couple of payments and they didn’t even report me to the credit bureau like other credit building apps have done I rated five stars and will continue to pass it on to anyone I know that wants to improve their credit!!!!!!

12 months ago, pumpkin tee

False advertisement

The app itself is amazing if you don’t mind waiting to fix credit and pay them to assist in saving money however it’s not advertised that you can only pay digital with that $2500 approved credit part until AFTER you pay the $72 for the year. And since they don’t advertise it accurately you’d think they’d give a full refund but instead they keep $6 for the first month even though I have zero use for a card that only does digital payments for Netflix etc. Ten minutes after I’m into the app and paid that’s when I realized u can’t use the card except for that so I asked for a cancellation and refund and they said I can’t have one since they don’t offer free trials.

11 months ago, I'm working all day

Wish I found this sooner

My credit was in the mid 400’s when I joined Ava. I must say, at first I was very skeptical. I didn’t think anyone could help my credit let alone an A.I. app. I’ve never been happier to be so wrong in my life! My score went from mid 400’s to mid 600’s in 3 weeks! And I’ve only utilized half of their services. I can’t wait to begin the credit building savings account they offer and see my score continue to sky rocket! Best choice I e made in a long time!

6 months ago, MikeAndTheMouse

Quality App and Program

At first, I was hesitant to sign up and use this program. But after much patience, it has worked extremely well for me. My score has gone up over 70 points just over the last few months, and it is opened up many new doors for me financially. The price is absolutely worth it. Just remember to read all the disclosures so you understand how it works. However, you will not be disappointed.

11 months ago, Shenanigans7979

This is a great way to start building your credit

I opened my account just a few minutes ago and will use it to pay Disney+ and Peacock. This will keep utilization at 10%. The Budgetnista-Tiffany Aliche calls it the jump like Jordan method. Take your smallest bills, in the case, subscriptions ie Disney + and Peacock and set your account up for auto pay so that bill $25 or less is paid in full and on time. Your credit score will increase.

9 months ago, Jcub1234

A TOOL not a miracle worker

4 stars only because it still feels kinda sketchy and the app can be a little “buggy” and is a little pricey…BUT with the help of this app AND other actions I’ve taken(the “and” is very important here) , I have went from 470’s-FICO as well as Vantage3.0 both to 680-Vantage and 670-FICO…IN LESS THAN SIX MONTHS!!! 💪🙏📈💳🤑 *Recommend taking a look into what YOU need and why YOUR credit score is where it’s at before you jump at any “miracle app”, because it may not work the same for others as it has for me!! [Do Your Own Research]

1 year ago, Bruhman1992

Score went up 70 points in the first couple weeks

Highly recommend. I’m my score boosted 70 points already plus it helps my utilization on my credit report. Even with another secured card that I haven’t paid off yet, it still only shows very little utilization overall due to the added “$2500” credit. Definitely should use this as a tool or at least to help you understand credit a little better

1 year ago, Pmccall-Thiede07

Absolutely works

So I only have Chime and use their credit card and Ava and have nothing charged to this card and my score went from 512 pts to 622 in a month of using both. I highly recommend using both. I use my Chime credit card daily as my daily card use and just don’t charge my subscriptions to my Ava card but it still shows a positive mark towards ur credit with just keeping it open.

2 months ago, Mwest1026

Save your money

My Ava card was “locked”. Due to the locked card I can no longer pay for my subscription which means I’ll miss a payment thus for having a negative impact on my credit. Can’t get any real customer service, everything is automated. Have been trying for to resolve this for weeks. I’ve called, no response. I got to the point where I just want to close my account. Tried to withdraw my funds and you guessed it, can’t do that either. Redirects me to customer support which again is all automated and absolutely no help. I really liked it at first, my credit shot up 50 plus points. However they should fix the bugs and get some real help

Description

Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90% of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable. Why Ava, you ask? Quick Results: 74% of our members saw an improvement in their credit score within the first two weeks of joining Ava. Stick to those on-time payments, and you might just get a 40+ point boost in three months! Easy Setup: You'll be up and running in less time than it takes to make a cup of coffee - less than 5 minutes!. Transparent Pricing: Starting at just $6/month for the annual plan, Ava offers a simple, affordable route to better credit history. With Ava, you can expect: - No hidden fees - 0% interest - Instant account set up with no credit check - 0 deposit/collateral required Included in our simple pricing are: CREDIT BUILDER CARD: Ava’s Credit Builder Card allows you to pay for over 60 online subscriptions and bills like Netflix and Verizon, while also lowering your credit utilization. NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks. We help you keep a low card utilization with a spend limit to positively impact your score. When you make on-time payments we report your positive behavior to all three credit bureaus within 48 hours. SECURED CREDIT BUILDING ACCOUNT: The Ava Save & Build secured loan helps you save money AND improve your credit history at the same time. Add an additional credit line to your report and increase the frequency of on-time payments. Start by putting away at least $25/month and you get ALL the money you saved after 12 - 24 months of on time payments. Absolutely NO interest or added fees. You keep every dollar you save towards the secured loan! MONTHLY FREE CREDIT REPORT Stay on top of your credit score with free credit reports in the app. Discover insights and suggestions in your report that make it easy to understand credit factors, like credit utilization and percentage of on-time payments. DEDICATED CUSTOMER SUPPORT Require assistance or have inquiries? Our dedicated support team is here to help. Contact us at [email protected]. Ava makes credit building easy. What you see is what you get – no hidden fees, zero interest, and a promise that we've got your back. We make sure we win only when you win. A better credit score, peace of mind and thousands in savings are just a few taps away. Ava is not a bank, Ava is a technology company that partners with banking services provided by Evolve Bank & Trust, member FDIC to provide the Secured Loan Account. The Ava Credit Builder Mastercard® is issued by Patriot Bank, N.A., member FDIC pursuant to a license from Mastercard international Incorporated