Up 89 points in 6 months.
I’m up 89 points within six months. My score was terrible due to racking up debt and defaulting on loans and credit card payments a few years ago while fighting for custody for my oldest child. I’ve been living with really poor credit ever since then. Once I found Kikoff through an add, I almost thought It was too good to be true, but two bucks a month is less than a cup of coffee, so I said WTH and signed up. Six months later and things are really turning around and I’m getting tons of offers again. I’ve been approved for an unsecured credit card and a car loan since. My scores not perfect yet, but Kikoff has given me a second chance at building credit. This is a valuable tool and I highly recommend this for building or rebuilding credit! It works!
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This app lied to me! Be CAREFUL! Don’t DO IT!
I downloaded this app because it was suggested by credit karma as an easy way to build positive credit. After doing some research, I decided to go another route and quickly cancelled the account. I tried calling customer service but it is just a recording telling you to email your problems to the given email address. I then wrote a lengthy message about my problems and was sent an email saying that my account was closed but that there was a chance that I would still receive bills and emails of late payment for up to two weeks. This is why I did not think anything about all the emails I began to receive insisting that I had an overdue balance. Two months later, I woke up with a message from credit karma stating that my credit score had gone down. When I checked the changes made, I saw that Kikoff had reported negative marks for late payments. I was shocked! This app was supposed to help me and now I have to dispute them to return my score to the status I was in before signing up for this app. Don’t do it!!! Do not get this app. You will be lost as to what is going on and you may even get a lower credit score than you started with.
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Built my credit within a month
Hey everyone, I found out about Kikoff from my mother about a month or so ago, I downloaded the app and didn’t really think it would affect my credit so affectively in a expeditious amount of time, but it did. I went from zero to a six hundred fifty-five credit score in just a month! It’s really easy and anyone can do it, just download the app and it will take $2 off your debit card every month. I would highly recommend Kikoff to build anyones credit score, especially if your trying to establish it, just like me.
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Affordable Credit Building
After years of laying off my credit to allow all the negative accounts to fall off, I was left with zero credit history. It’s hard to re-establish yourself if you have no credit or if you have years of bad and irresponsible spending habits like I did. I am now in a very good situation financially so I want to start building good credit history for the sole purpose of being able to help my children go to college if loans are necessary. I signed up for Kikoff for my husband a year ago and his credit went from a 503 to the high 700s because Kikoff gave him the start he needed to qualify for other banks products. I signed up 2 months ago and in just 2 months, my credit has jumped 79 points and I just got my first unsecured credit card with a major bank. If you’re skeptical, don’t be. $2/ month is the payment for your Kikoff account and they even offer a secondary account in addition to the original account to help even more and that is a credit builder savings program that is $10/mo that will help your score even more. I recommend this to anyone looking to establish your credit for the first time or to re-establish your credit after making bad decisions or having a financial crisis that was beyond your control. It’s been life changing for our family!
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This app deserves all the great credit it gets
First time credit user here, I don’t currently utilize any credit cards nor have ever borrowed. I downloaded Kikoff after excellent reviews by NerdWallet and opted to utilize their service choosing the “Kikoff Credit Service” and their “Credit Builder Loan” which sits at 4% utilization. After 2 months of using it, I received my credit score, going from N/A to 616 on TransUnion and 623 on Equifax! That is a considerable increase compared to where I was! Anyways, main idea, this is a excellent app to utilize, keep your utilization generally low and let it grow! Have an excellent day!
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Amazing App
I recently turned 18 and I never thought I would be able to get a credit score this fast. In addition, I now have a decent credit score. I pay $2 a month and my score gets updated every month. I opened my Kikoff account and had a score within 2 months (1 month after my first payment). You can keep your account active as long as you want, and as long as you keep paying monthly, your score will continue to increase. This app is the best thing that has ever happened to me. You must download now.
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I didn’t understand credit
This Kikoff app is dope. I pay $2 a month off my cash app and get a on-time payment reported to the credit bureaus. It also helped me because it is an additional open account and I had none. 4 months along with my a secured capitol one credit card my lowest increase over all credit bureaus is +88 points. I even lost points because I left a increased balance, out of that 10% range, on my credit card. Kikoff is over dope, easy to use and easy to manage.
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Unsure what this service actually does
I saw an ad for Kikoff and visited the website because it seemed like a good idea to help raise my credit score. Once I visited the website, there was minimal information on what the service actually provides. After getting approved, I did not fund the account bc it seemed like a waste of time FOR ME. After a couple months, I noticed this account on my credit report as a negative account. It stated that I was behind on payments, when all I did was apply. I never actually funded the account (thinking the system would automatically close the inquiry bc the account was not funded). Since then, the only choice I had was to fund the account. Now I’m stuck paying $2 a month for a service I really don’t want. With that being said, I haven’t seen any positive report to any credit bureaus since I’ve funded the account.
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KikOff
I love Kikoff it’s a great credit builder.. but over the time I learned you shouldn’t carry a balance over to the next month which I have been doing which is 20$ and under which is fine but the creditors looking at it as a revolving balance so therefore make sure you don’t have any other debt as you are using KikOff as a credit builder or it won’t have much effect but showing positive payment history. But definitely a 5 star app and go to credit builder.
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Amazing
This is a truly amazing app and whoever created it.I just want to say Thank You! There are no secret fees or hidden contract deals that will end up costing you in the end. It is what it say it is and does what it says it does. A truly amazing concept to honestly help you build your credit with just Pennie’s on the dollar. I pay $2.00 a month on Kickoff to start credit and keep it going and it improved my credit utilization! I also opened the credit builder loan for only $10 a month w/ 0% interest 😀The best part is there is no catch!
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