TOVI SEE WHAT TOVI FINDS MENU

Turn the Bills You Already Pay Into Credit History

Connect your bank. Tovi finds recurring payments like rent, utilities, insurance, and childcare, verifies your history, and helps eligible payments 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.

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

Tovi confirms what qualifying payments actually represent using bank data, documents, and direct integrations where available.

4
BUILD

Eligible verified history can be reported where supported, while broader verified behavior builds your Tovi Reliability profile.

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.

History first

Discover months or years of payments you’ve already made.

More than one bill

Tovi looks across your broader financial life instead of focusing on a single category.

Verified, not guessed

A transaction saying “$2,400 to Greystar” is not enough by itself. Where required, Tovi verifies what the obligation was, who it belonged to, how much was owed, and the supporting records.

Built to grow with you

Eligible history may help your traditional credit profile. Everything else can contribute to your long-term Tovi Reliability history.

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.

TOVI RELIABILITY
84 / 100
VERY STRONG
NOT A TRADITIONAL CREDIT SCORE

Tovi Reliability looks at a broader picture of how consistently you handle financial obligations and cash flow — verified obligations, cash-flow coverage, liquidity, stability, trajectory.

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