DO NOT USE
The most aggravating tray I have ever made to fixing my credit. I download the app and create an account to see what this was about decided it wasn’t for me deleted the app and now sometime later I randomly have kick off on my credit as past due when I never made a purchase and it’s affecting my credit worse than it was before. Do not download this app or get suckered in there is no way to communicate with any type of customer service. I’ve tried calling and all I get is a stupid voicemail that doesn’t even except voicemails and now I’m stuck with this on my credit report making my credit go lower than when it was when I never made a purchase through this app to begin with please do not waste your time.
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Will update after a few months
I recently started this and the first payment went through.
Then I got notice that my credit score dropped 15 points.
Now, this is to be expected whenever you get a new credit card or account like this. Because it lowers your average credit age (and other factors, I believe).
But, I’m going to trust the process. It makes sense…with low credit utilization and history of on time payments, my score should be going back up over time.
Yea, it was disheartening to see the drop because I was so near getting out of the “fair” range and into the “good” credit range. But I believe this, along with other measures I’m taking, will pay off in the long run.
Then I got notice that my credit score dropped 15 points.
Now, this is to be expected whenever you get a new credit card or account like this. Because it lowers your average credit age (and other factors, I believe).
But, I’m going to trust the process. It makes sense…with low credit utilization and history of on time payments, my score should be going back up over time.
Yea, it was disheartening to see the drop because I was so near getting out of the “fair” range and into the “good” credit range. But I believe this, along with other measures I’m taking, will pay off in the long run.
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Repair and build credit
This has been so huge in helping me repair my very low score credit. Within the first month it already jumped 7 points. It’s super cheap you can set up autopay and just basically forget about it. I can’t even get a credit card right now but by the end of this 12 month plan to build payment history I’ll be able to get a credit card or a car loan or buy a house. I highly recommend
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The best credit builder ever!!!
The very first month that I used kick off my credit went up 71 points!!! No joke y’all! It has steadily gone up since. I have been approved for a couple credit cards since I have started using kick off and I have been able to get some services with no deposits after moving, which was very, very helpful. I highly recommend this to anyone who is trying to rebuild their credit, or even just start off and build their credit.
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Simply Amazing!
After years of destructing my credit while being in active addiction, I didn’t know how I was going to ever get ahead. My credit was something that weighed very heavy on my mind since getting clean. I became a single mother and Aleta be honest I don’t have the extra funds to pay off the reckless amounts I racked up during those years. My credit was sitting stagnant and I knew credit card companies would never take the chance on me. Even though I was much more responsible now, they don’t go off of your word with bad credit. I had nothing to lose at this point so I signed up with Kikoff. They stuck to their word, my credit score jumped +97 points in 2 months. Although my Transunion score isn’t as high as my Equifax it’s still rising as we speak. I went from having a 526 with both bureaus to now having a 576- Transunion and 641- Equifax. I’m pretty sure my lower score is like that because all information isn’t reported to them yet. Anyway, I definitely recommend using Kikoff and I’m beyond happy I took a leap of faith.
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Amazing
It seems too good to be true and to be honest I thought it was like the rest of those fake we can help out to get you there lines they spill on us just to only get your hopes up and reject you!! But o just gave this app a chance and it blew my mind how they were inviting and caring to be more than what they say but it’s what they can do and I didn’t had to put any finances in they handled it and low renewal payment which is more than doable what’s there to lose? But they show me there’s a lot to gain just stick with them and I will and have a good feeling this was the wisest decision I’ve made in a long time
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Shady & Poorly Designed Waste of Time
I was optimistic about this app based on the ads I had seen as well as the reviews on the Apple App Store – but there's only one major problem – it's 'not yet' available in my state of residence. It would have been nice during the sign-up process if they were to make the first question they ask which state you live in and thereby tell you whether or not they are available in your state rather than having you go through all the steps of entering your email address, creating a password, along with all of your other personal information (most importantly asking for your including your Social Security number) only to tell you immediately after submission that that they are not yet available and approved for your state. I really hope this is not some type of a scam to farm peoples personal information, because unfortunately quite a few people who download the app (myself included) are falling for it. Not happy at all.
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3 Months In
I’ve had the app since October 2nd and it’s December 26th and I’ve gained 106 points just by paying literally $2 a freaking month. My credit was low I’m talking 400s type of low and I actually forgot about the app sitting in my phone and randomly checked it a few minutes ago. I was shocked at how it went up so quickly I wasn’t expecting it to grow so much in such a short time. I was afraid that I’d never be able to fix my credit so I just basically ignored the issue til a friend of mine pushed me to download the app and I’m glad I did. I really appreciate the app developers for thinking of us little guys. Especially the ones like me who weren’t properly educated on credit cards or got one too early to realize the negative impacts they can have down the line in life.
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Best Decision I Made
If you have a less than desirable credit background I would strongly suggest becoming a member and enroll in this amazing service. Hands down the best I’ve found after literally months of research. In one month, yes one month my score shot up over 100 points!!!!!!!! That is unreal that is almost unheard of. All I can do is say don’t take my word for it give it a try yourself and see first hand the positive impact you’ve been missing. I’m most grateful for the opportunity to belong to a great service and Adobe blessed opportunity to straighten my credit score and get it on track. Thank you!!
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ABSOLUTELY AMAZING
I wasn’t taught anything about credit or financial things growing up, I’m now 20 and 2 months ago my credit score was 380 something because I didn’t know signing up for a credit card and not finishing the process would HORRIBLY damage your credit score. I’m just 2 months.. my credit score has gone up over 130 points. I use the autopay (WHICH IS ONLY $2) so if I forget, it doesn’t hurt me at all. I most definitely recommend this app it has been the best purchase I have ever made!
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