Kovo is a trick. When I signed up shortly after it was founded, it was never clearly stated that Kovo Grow is you paying for classes. Now there website has changed and I still don't think it is clearly stated. You do not get your money back and $10 a month isn't going to help your credit score that much from one source. You can go to Experian boost and put in ALL of your monthly recurring payments ( phone, internet, any little payments like the apple cloud subscription, Netflix, Hulu, you name it ) to get a better credit score and not be robbed of your money like Kovo. I never used the classes that I was never made aware of until recently. Nearly two years later after signing up. And still didn't know that I was paying for them. I thought they were just trying to add an incentive to sign up with them. I was given the impression that the money would be returned. If you want to build credit and don't want to use Experian Boost use Self credit builder because you get your money back guaranteed. And I better get my money back from Kovo. DO NOT LOSE YOUR MONEY.