TOVI SEE WHAT TOVI FINDS MENU

Build Credit From the Financial History You Already Have.

Connect your bank. Tovi finds the recurring obligations you already meet — rent, utilities, insurance, phone, childcare — verifies what was owed and what you paid, and helps the eligible positive history count toward your credit profile.

SEE WHAT TOVI FINDS

NO HARD CREDIT CHECK · KEEP YOUR CURRENT BANK · REVIEW BEFORE REPORTING

TOVI
POSITIVE HISTORY FOUND
RENT24 MO$57,600
INSURANCE31 MO$8,990
UTILITIES24 MO$4,220
CHILDCARE18 MO$28,800
$99,610
POSITIVE PAYMENT HISTORY FOUND
You were already doing the work.

ILLUSTRATIVE EXAMPLE

You’ve been paying.
Your credit may not see it.

Your credit file may be thin. Your financial history isn’t.

TRADITIONAL CREDIT COMMONLY REFLECTS

  • Credit cards
  • Auto loans
  • Mortgages
  • Student loans

YOUR FINANCIAL LIFE ALSO INCLUDES

  • Rent
  • Insurance
  • Utilities
  • Childcare
  • Tuition
  • Phone
  • Internet

Why should borrowing money be the only way to prove you’re good with money?

Millions of consumers consistently handle major financial obligations that may not automatically appear in their traditional credit history.

Connect once. See years of history.

1
CONNECT

Connect the account you already use to pay your bills.

2
DISCOVER

Tovi automatically identifies recurring payments across your transaction history.

3
VERIFY

A line reading “$2,400 — GREYSTAR” is a transaction, not an obligation. Tovi checks it ran long enough, on time, at a steady amount, and is still being paid — then calls it 24 months of verified rent.

4
BUILD

Eligible verified history can be reported where supported — and only for the payments you approve.

CONNECT MY BANK

One connection. A much fuller picture.

Tovi separates what can currently build traditional credit history from what contributes to your broader financial reliability profile.

RECURRING PAYMENTS FOUND 5 OF 5
R
RENT
24 MONTHS FOUND
$2,400/mo
READY TO VERIFY
I
AUTO INSURANCE
31 MONTHS FOUND
$286/mo
VERIFYING
C
CHILDCARE
18 MONTHS FOUND
$1,620/mo
VERIFYING
U
UTILITIES
24 MONTHS FOUND
$171/mo
VERIFYING
P
PHONE
37 MONTHS FOUND
$138/mo
VERIFYING
$4,615/mo
of recurring financial responsibility discovered

ILLUSTRATIVE EXAMPLE

Start with the history you already have.

Most credit-building products ask you to open a new account and start creating history today. Tovi looks backward first.

Years, not months

Most credit-building products start counting the day you sign up. Tovi starts with the payments you have already made — up to two years of them.

Your whole financial life

Not one bill and not one category. Rent, utilities, insurance, phone and childcare, in one place, from one connection.

Obligations, not just transactions

Anything can read your statement. Tovi works out which lines are commitments you meet month after month, and which are simply money leaving.

Can Tovi improve my credit?

Qualifying positive payment history may help some credit profiles, but the impact varies.

CREDIT-SCORE RESULTS DEPEND ON

—Your existing credit file
—What information is eligible for reporting
—Which bureau receives it
—Which scoring model a lender uses
Score may increase

Additional positive history can benefit some consumers.

Score may not change

A thick, established credit file may already reflect enough history for a scoring model to move.

Not every payment qualifies

Reporting depends on the obligation, the records available, and what each bureau accepts. Tovi shows you which is which before anything is shared.

ALONGSIDE REPORTING

Tovi Reliability

Tovi also keeps its own read of how consistently you meet obligations — verified obligations, cash-flow coverage, liquidity, stability, trajectory. It is not a FICO score, not a consumer credit score, and no lender uses it. Getting eligible history reported is the point; this is the record underneath it.

Your financial life is personal.

Tovi looks at whether you meet financial obligations — not whether you bought coffee or went on vacation.
Read-only discovery

Tovi analyzes permitted account information needed to find recurring payments.

You stay in control

Review what Tovi finds before qualifying information is reported.

Keep your current bank

No need to move direct deposit or switch checking accounts.

Disconnect when you choose

Manage ongoing bank access at any time, subject to necessary legal recordkeeping.

TOVI

YOU’VE ALREADY
BUILT THE HISTORY.

Let’s see what’s in it.
SEE WHAT TOVI FINDS

NO HARD CREDIT CHECK · KEEP YOUR CURRENT BANK · REVIEW BEFORE REPORTING