Homebuyer:

Homebuyer: I HAVE FINALLY SAVED Actor portrayal, not an Ava customer UP ENOUGH TO BUY Actor portrayal, not an Ava customer A HOUSE!! Actor portrayal, not an Ava customer I'VE GOT $30,000 SAVED Actor portrayal, not an Ava customer FOR A DOWN PAYMENT! Actor portrayal, not an Ava customer Banker: THAT'S GREAT. LET ME Banker: OOH. YOUR SCORE IS Banker: OOH. YOUR SCORE IS Banker: 580. Banker: IS THAT BAD? Banker: LET'S JUST Banker: YOUR INTEREST RATE IS Banker: GOING TO BE A Banker: LOT HIGHER THAN SOMEBODY Banker: WITH GOOD CREDIT. Homebuyer: BUT I HAVE THE Homebuyer: DOWN PAYMENT! Banker: I KNOW. BUT WITH Banker: A LOW CREDIT SCORE, Banker: IT COULD MEAN HUNDREDS Banker: IF NOT THOUSANDS Banker: MORE EVERY MONTH. Homebuyer: SO WHAT DO I DO? Banker: START BUILDING YOUR Banker: CREDIT BEFORE BUYING. Homebuyer: EASIER SAID THAN DONE. Banker: ACTUALLY, Banker: THE AVA APP? Homebuyer: NO. Results vary. Credit score increase not guaranteed. Ava helps you build CREDIT USING BILLS YOU'RE ALREADY PAYING. Results vary. Credit score increase not guaranteed. FIRST, THEY GIVE YOU THEIR CREDIT BUILDER CARD, THEN YOU JUST PAY FOR STUFF YOU ALREADY USE - LIKE NETFLIX OR SPOTIFY - WITH THE CARD. THERE'S NO DEPOSIT REQUIRED, NO CREDIT CHECK, AND IT REPORTS UP TO A $2,500 LIMIT TO ALL THREE MAJOR CREDIT BUREAUS. Homebuyer: WAIT... THE SUBSCRIPTIONS I'VE BEEN PAYING COULD HELP MY CREDIT? Banker: EXACTLY. Ava's Rent & Utility Reporting currently only reports to TransUnion. PLUS, AVA CAN REPORT YOUR RENT, Ava's Rent & Utility Reporting currently only reports to TransUnion. UTILITIES, AND PHONE Ava's Rent & Utility Reporting currently only reports to TransUnion. BILL TO HELP YOU Ava's Rent & Utility Reporting currently only reports to TransUnion. BUILD POSITIVE Ava's Rent & Utility Reporting currently only reports to TransUnion. PAYMENT HISTORY. Homebuyer: DOES IT ACTUALLY WORK? Banker: 74% OF MEMBERS SEE Average based on internal data. A credit score increase is not guaranteed A CREDIT SCORE Average based on internal data. A credit score increase is not guaranteed INCREASE Average based on internal data. A credit score increase is not guaranteed WITHIN 7 DAYS OR LESS. Average based on internal data. A credit score increase is not guaranteed Homebuyer: OKAY... SO WHAT'S THE CATCH? Banker: NOPE! $10/MONTH Banker: OR AS LITTLE AS Banker: $5/MONTH IF YOU Banker: CHOOSE THE ANNUAL Banker: PLAN. Banker: ONE TRANSPARENT COST, NO Banker: SNEAKY FEES. Banker: AND SINCE YOU KNOW Use code: ADDISON Banker: 20% OFF YOUR FIRST Homebuyer: SO INSTEAD OF PAYING A HIGHER MORTGAGE BECAUSE OF MY CREDIT SCORE... Use code: ADDISON YOUR CREDIT WITH Results vary. Credit score increase not guaranteed. See full disclosures at meetava.com. BILLS Use code: ADDISON YOU'RE ALREADY PAYING.