If you’re starting out with credit—or working to rebuild your score after financial challenges—the good news is that there are tools designed to help. In Canada, apps like Capital One Credit Keeper and KOHO give you simple, accessible ways to monitor and grow your credit health.
Here’s how they work and why they may be the right fit for you.
1. Capital One Credit Keeper
What it offers:
- Free access to your credit score (from TransUnion)
- Monthly updates on your score
- Personalized tips to understand what affects your credit
- No impact on your score when you check
Why it’s useful:
Credit Keeper is designed for Capital One clients, giving them an easy way to keep track of their score. By understanding what factors are driving your credit rating, you can make smarter financial decisions and improve over time.
✅ Best for: Capital One customers who want free and regular access to their score without affecting it.
2. KOHO
What it offers:
- Prepaid Visa card that works like a debit card
- Optional credit-building feature that reports small monthly payments to credit bureaus
- Budgeting and spending insights built into the app
- Ability to earn cashback on purchases
Why it’s useful:
KOHO is especially powerful for newcomers, students, or anyone rebuilding credit. Its credit-building option lets you improve your score gradually with predictable payments—without needing to take on risky debt.
✅ Best for: People who want a low-risk, affordable way to build or rebuild credit.
Capital One vs. KOHO: Which Should You Choose?
| Feature | Capital One Credit Keeper | KOHO |
| Access to Credit Score | Yes (TransUnion, free) | No direct score, but reports activity |
| Credit-Building Tool | No | Yes (paid feature) |
| Extra Features | Score insights & tips | Cashback, budgeting, financial tools |
| Who It’s Best For | Capital One clients | Newcomers, rebuilders, students |
Why These Tools Matter
Building credit takes time, but the right tools can make the journey smoother. Apps like Credit Keeper help you stay aware of where your score stands, while platforms like KOHO give you an actionable way to strengthen it. Used together—or alongside other monitoring apps—you’ll have a stronger foundation for future financial opportunities.
Key Takeaway
Whether you’re just starting your credit journey or recovering from past challenges, Canada offers practical tools to help you grow. With Capital One Credit Keeper, you’ll understand your score better, and with KOHO, you’ll have a clear path to building it step by step.
The combination of awareness and action is what makes credit success possible.
