Clearing up some negative reviews.
I like to go and read reviews before and after trying out products or services. I tried this, and though my credit hasnt gone up yet i just started and havent gotten to my 2nd month yet. I just wanted everyone to be aware that this IS a credit building account, you wont get any money from it. It offers a line of credit but you can only buy from their store. Its a way of building credit affordably. If you do your research you will learn this. I seen some reviews saying misinterpretation, false advertising. Blah blah. Its not at all they just didnt do any research. Just a credit building card, its for people with bad credit whom arent trusted to receive money.. instead are offered to discipline yourself to pay money with nothing in return EXCEPT building your credit. I personally think its awesome. I pay 5$ a month i dont expect a drastic increase but it is a start. Its not for everyone but be sure you do your research before opting in because you dont want to be disappointed if your confused by what they are offering.
Edit: so its been about 5 months and my credit has increased a total of 116 points! Im so happy. The only con i can say is it doesnt report to all 3 with the basic 5$ plan! But this was a test run for me and i will he increasing to the one that reports to all 3! Im eligible for a capital one credit card that i wasnt eligible for before! If your a beginner and have a low score its def worth a shot for only 5$ a month!
Edit: so its been about 5 months and my credit has increased a total of 116 points! Im so happy. The only con i can say is it doesnt report to all 3 with the basic 5$ plan! But this was a test run for me and i will he increasing to the one that reports to all 3! Im eligible for a capital one credit card that i wasnt eligible for before! If your a beginner and have a low score its def worth a shot for only 5$ a month!
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Response from developer
Hello! Thank you so much for your 5-star review. If you ever need anything from us, please email our customer support team at support@kikoff.com. :)
Misleading! Do not trust this scam
I just closed my account with Kikoff and they don’t return your money. They also report you on your credit report as getting a loan from them if $500 which I did not sign up for. The way it’s reported on your credit report is they report you taking out a $500 dollar loan from them which is untrue. I signed up for their $2.00 a month service. They did not return any of my money when I closed my account and they charged a extra $10 a month for 4 months on my card that I didn’t realize til it was to late. They did not return my money or acknowledge fault after they closed my account. I will be contacting my lawyer. I don’t think you guys are legally allowed to do this.
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Very happy
I am 21 years old and I’m not a fake review lol I been tryna get my credit up for awhile I was able to get to 524 but as soon as I started with Kikoff and it’s only 5$ a month hella cheap my score has been going up 27 points every month I have been with them for 2 months and both times they reported to the credit companies I got a plus 27 points that’s insane idk how they can make your score go up 27 points a month over 5 bucks but I very much appreciate it soon I’ll be able to pretty much rent my own place and get accepted for financing with certain things that’ll help my score go up even more I HIGHLY RECOMMEND KIKOFF I PUT MY GIRLFRIEND ON KIKOFF AS WELL it’s got a cool credit card system they let anybody get with credit and good luck getting accepted for a credit card anywhere else I tried also the amount your score goes up from Kikoff id amazing so try it out if you can’t afford 5$ a month you better start working on finding a job lol great app very helpful in starting my life and getting my foot in the door.
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Response from developer
Hello! Thanks so much for your review. We are happy to hear it's been helpful in starting your life and getting your foot in the door. Please let us know if there is anything we can do for you at support@kikoff.com. :)
Poor credit
I honestly think that if you already have a decent credit score you really shouldn’t need this app. This app was designed for people with poor credit and is in the process of rebuilding. You won’t get any money unless you’re using the builder loan. I honestly think it’s working perfect for me even though I was skeptical at first especially with me paying for a line of credit that I don’t even actually receive. There are all these credit repair companies that charge you hundreds of dollars which may or may not produce results. If you’re rebuilding your credit and have a spare $5-$15 dollars a month this app will definitely help. But again if you’re credit is already in good shape there is no need for this app because it could do more harm than good.
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Response from developer
Hi, thank you for your review! We are happy to hear it's been working perfectly for you and we thank you for putting your trust in us. Please let us know if you ever have any questions at support@kikoff.com
Confusing
I initially loved this service and in all fairness it helped me somewhat with my credit. I don’t know if they changed policies or ownership, but the seem so have fallen off greatly. I wanted to change my due date, but can’t figure out how in the heck to do it.. so yesterday I got a message saying
They closed my account. Then today I got a message saying they need the payment tomorrow. Well with that being said I figured I would contact them and find out what was going on. GOOD LUCK WITH THAT …. No way to even send them a message. So if someone from KICKOFF would take the time to email me, that would be great. I know a phone call is too much to ask… when a company doesn’t have a
Customer support number it makes me wonder why- Gladys Sandy
They closed my account. Then today I got a message saying they need the payment tomorrow. Well with that being said I figured I would contact them and find out what was going on. GOOD LUCK WITH THAT …. No way to even send them a message. So if someone from KICKOFF would take the time to email me, that would be great. I know a phone call is too much to ask… when a company doesn’t have a
Customer support number it makes me wonder why- Gladys Sandy
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I don’t even know what say…
I downloaded this app because I messed up my credit pretty bad a couple years back and after having this app for a couple months I just got a notification that my Equifax scores jumped up 56 points. Even after reading reviews for this app I was incredibly skeptical, but after seeing my score jump 56 points I can tell that it obviously does work. Would highly recommend this app to anyone!! 5/5 stars!!
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Best thing since sliced bread
I never really leave reviews because I don’t care to much about things. Kikoff is something I want to tell others about ! I had no credit when first starting Kikoff. Within 12 months I had a perfect credit score! I didn’t take out any loans or credit cards. I solely built my credit off this app alone. It is a significant amount of help, without hurting your pockets. I made $1 payments every month for a year and my credit skyrocketed - no exaggeration! If your thinking about downloading it..stop thinking and just do it.
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Genius!
This is literally thee MOST affordable and logical building and repairing credit option! KikOff has several credit building options, starting at $2 a month, but I have opted into all. They have built a system based off the three main components of a strong credit score and made it available to literally anyone. No seriously. If I can do it, meaning- afford it- anyone can. I am currently considered BELOW the poverty line. I decided to take action to change that and fixing my credit IS necessary to achieve this. Since starting KikOff my credit score has increased twice with a current increase of 65 points. And this is in only two months. I have referred many people to this platform and will continue to!
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Lies no Loan they never give you anything.
I have an account that says it’s a loan for 120 they also say they give you a 500 our credit account but they don’t tell you if you can only buy books from their store and they never deposit any money your payments go to the savings account and they don’t tell you that in the disclosures. So you’re never loaned any money it’s misrepresentation and fraud. That the $10 payments for and that the $10 payments for the $120 loan are only redeemable and cash upon completion of all $10 payments for the whole year. Then you can get your $120. Mind you there not gonna give you any interest in so realistically they’re offering a loan but it’s really just a savings account.$320 they need to be able to do whatever they want with it if you control the money that is not alone and you are lying and I am reporting you under the truth in lending act
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Can’t access my books
I started off absolutely loving this app. I think the books selection is great, I find it very beneficial when it comes to my line of work and because I enjoy constantly learning new things. But for like the last 5 months or better I haven’t be able to access and read my books. I’ve made my payments, a couple a little past the due date, but I have always paid it. I’ve written customer support about this issue a couple of times and they have yet to help me. Please explain to me why I can’t open my books as well as tell what to do so I can access them. That’s the only reason I didn’t give you 5 stars.
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