Ava: Build Credit Fast

• Free

Last verified 30 Aug 2026

4.9 49847 ratings · App Store

1. 5/5Forget 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!

   Cyrus Asgari · 30 Aug 2026

2. 5/5Ava build credit

   I’m new to Ava just downloaded there app but to be honest I think if I decide to get a card through them it will help my credit I love how they explain everything to you and there not like all these other apps ask for a huge portion before you can even get a card to build credit that’s amazing to me I do believe I’ll give Ava a. Chance and after I do I’ll come write another review and update you on how my credit has improved I’m so glad I came across this app it’s exactly the kind I been looking for just wish I knew about Ava sooner and I wouldn’t had to sighn up for a lot of cards that promised me approval then lied so it hurt my credit slot applying for those cards and getting denied but I have to say I’m the type of person that pays her bills on time my bills come before anything else my credit score is very important to me and I did once have a score of 638 until I started applying for fake cards false info given to me and no one told me applying for cards hurt your credit so it went down to 543 now I have gotten it back to 601 because I pay my payment on anything I have when it’s due and now that I found this app Ava read a couple people reviews o think I may give it a chance it seems like the real deal a app that really ares about people and actually gives them a chance to get a card with a decent amount of credit and pay back in monthly installments to make your credit but what I’m most amazed about with Ava they actually keep there word from what I can tell they actually give those people a chance to get a card with a credit limit and make monthly payment to make your credit even better so thank god I came across this I’ll be back for another review once I decide to go with Ava witch i probably will now that I know they are a legit company that cares about people

   blueeyedgirl41 · 30 Aug 2026

3. 3/5It's ok on the surface...

   Been using Ava for over a year. There's some flaws that prevent me from fully benefiting from all it has to offer. First, no matter how many times I try, Ava will not "find" my rent or utilities payments from my linked bank account. That means I'm not getting credit via this tradeline for making those payments. Other tradeline services have found and give me credit for those payments with no problem. Also, I wanted to add another merchant to my account (I currently only have one). I was instructed that in order to add a new one, I needed to delete the current one and re-add it with a lower spending limit. I didn't know I had a merchant spending limit. The limit for that merchant was set as twice the cost of the subscription. I tried to delete the merchant and it told me I couldn't delete it because there was a transaction from the merchant in the last 30 days and to wait until there hadn't been a transaction within 30 days (it's on auto-pay). Ummmmm, most billing cycles are 30 days! So, if I'm being, you know, responsible, wouldn't it stand to reason that there would always be a transaction every 30 days?! Just not smart. I think there's some kinks to work out. These are just a few things I've been less than satisfied with. I'm not sure how much longer I will be using Ava.

   QuaramelQT · 30 Aug 2026

4. 1/5It’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.

   Corephan · 30 Aug 2026

5. 5/5An 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

   @Bubbaluv84 · 30 Aug 2026

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