# Kikoff – Build Credit Quickly — user reviews > 1,576 indexed App Store user reviews of Kikoff by Kikoff Inc., rated 4.90/5 from 265,158 ratings. - Source: https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784/reviews - App overview in markdown: https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784.md - Rating breakdown: 5★ 254,958 · 4★ 5,854 · 3★ 1,410 · 2★ 576 · 1★ 2,360 ## What do users think of Kikoff? Overall sentiment: positive **Pros** - 🚀 Credit score boost - 💳 Affordable credit building - 👍 Easy to use - 📈 Positive payment history - 🆙 Improved credit utilization **Cons** - 🐛 Billing and account issues - 🔒 Lack of customer support - ⚠️ Negative impact on credit score - 💰 Misleading about loan/credit offerings **Commonly reported bugs** - Incorrect credit reporting - Difficulty closing or canceling accounts **Most requested features** - Improved customer service and communication - More transparency about account details and policies - Ability to access and manage account details ## Newest reviews (18 of 1,576) ### 3/5 — Give it a try! *2026-08-26, version 1.181.3445* I have no complaints because I know building credit is not an overnight process. Being able to work on my credit is always a great thing. ### 2/5 — Its builds credit but profits off your credit *2026-08-26, version 1.181.3445* You credit will build but you get no touch on that credit line. It doesn’t come to you at all. They huge profits with those interest just so you “build your credit”. At least with self you can have the credit line deposited into your account and use it. ### 4/5 — Help *2026-08-25, version 1.181.3445* My app wont load. I cant make my payment. Help. ### 2/5 — Bad service *2026-08-25, version 1.181.3445* I regret joining with kickoff they are a bunch of thieves I complete my credit card loan and they never load it to my card im so piss off I will never recommend kickoff trust me dont join them ### 3/5 — App keeps freezing *2026-08-24, version 1.181.3445* This app is good for credit building, but the app hasn’t performed well as of late. It constantly freezes and doesn’t always report up to date information. ### 5/5 — It works! *2026-08-24, version 1.181.3445* I started using Kickoff in March and my credit already has gone up 50+ points. I love it because it’s easy to track my credit and handle disputes and remove negative items all in one! I definitely recommend this to my wife and she loves it! ### 5/5 — Helped my credit immediately *2026-08-24, version 1.181.3445* I’m satisfied 100%! My credit score immediately improved and continues to improve. I started with a 590 I’m up to over 700. ### 5/5 — App Frozen *2026-08-24, version 1.181.3445* I e signed up to everything this app offers and make monthly payments into my savings account, hybrid credit builder and pay my bills with the same bank info from day one of downloading the app. Everything has been smooth until a week ago and now my app loads up and just sits there showing me the Kikoff logo so now I can’t view anything or check my accounts or pay my bills and monthly payments to Kikoff. Not a very good path to walk on after constantly being satisfied with the app and it crashes out of the blue isn’t a trusting nor reliable source to depend on with my personal info and credit details! ### 5/5 — Onna dead homies it work *2026-08-24, version 1.181.3445* Went from540 to 602 in 3 months just give it a lil time ### 5/5 — It really works! *2026-08-23, version 1.181.3445* I’ve been with Kikoff for nearly 5 years now. My credit has gone from 480 (seriously) to 681. I’ve had a few ups and downs over the years but I know where I stand and what to do now. My score is updated every week with Equifax and monthly with the other 2. They have provided a great financial education because nobody taught me this in school and my mother was the worst example possible to teach me financial responsibility. I feel like I have the knowledge now to make better decisions and the consequences when I make bad ones. I don’t hang my head in shame when my credit report comes back when I apply for things anymore. It’s a good feeling. ### 5/5 — J.Z. *2026-08-22, version 1.181.3445* This app has given me the ability to get a 5500 loan because it's shown good payment history. It's a game changer for someone with a below average credit score. Thank you Kickoff!!! ### 5/5 — Lo mejor *2026-08-22, version 1.181.3445* Lo mejor ### 5/5 — Kikoff *2026-08-22, version 1.181.3445* This has really helped me with building my credit and score. Advised on the next steps on how to get higher credit scores. ### 5/5 — Credit is important *2026-08-22, version 1.181.3445* Love the Kikoff app and how it keeps me updated in real time on my credit score and what can affect it and how to improve it ### 5/5 — Credit Repair *2026-08-21, version 1.181.3445* This app is good to repair your credit. ### 5/5 — Patience *2026-08-20, version 1.181.3445* The rep was very kind and patient in getting me back into my app ### 5/5 — Miss.Muffin *2026-08-20, version 1.181.3445* Help my scores and credit a lot LOVE IT!!! ### 5/5 — Satisfecho *2026-08-20, version 1.181.3445* En lo que llevo mi crédito ha ido incrementando favorablemente ## Most critical reviews (10 lowest-rated) ### 1/5 — You don’t get a credit line to use *2026-08-26, version 1.181.3445* Need to be more clear on how you word the $750 credit. Basically it is a credit to show up on your credit report. Showing that you are current with it but you actually do not get the $750 credit. ### 1/5 — They will keep your money *2026-08-25, version 1.181.3445* They help with a couple points but you are paying for the points. Also, it’s auto renewal so if you don’t respond, it will go on forever. ### 1/5 — Not working *2026-08-20, version 1.181.3445* Y is the app still not working!! I have to load it 10 times before it will work. This is so annoying ### 1/5 — Horrible *2026-08-20, version 1.181.3445* Don’t know why but for me it’s been all bad every time I login it says oops something went wrong or it doesn’t load my credit scores. I can’t even get onto to make a payment on anything and not being able to make the payment is gonna affect my credit in a negative way something that isn’t even my fault. This app needs to work. ### 1/5 — Unable to open app! *2026-08-19, version 1.181.3445* Have enjoyed this app for sometime now. Unfortunately, in the last 2-3 weeks I have not been able to access my account. It’s not a password issue. It just stays on the screen that says kickoff, but will never show my account information. I’ve updated it, and it still doesn’t work. Please help! ### 1/5 — App doesn’t work *2026-08-16, version 1.180.3413* Anytime I open the app it just freezes and never loads up. Major bugs even after updates. Been using them since march and the last two months I can’t check anything. My Ava and Self works perfectly.. once my term is up I don’t think I’ll sign up for another one. ### 1/5 — Be careful *2026-08-16, version 1.180.3413* So they don’t actually give you a line of credit that you can use on a normal stuff they give you a line of credit for e-books. I’m now down 12 points on my credit score because of them. ### 1/5 — Can’t do anything with the credit limit it’s a waste of time *2026-08-14, version 1.180.3413* Thought it was a regular credit building app that actually helped you build credit through like buying stuff and then paying off a card but you can only buy stuff in there. Weird little store that’s like financial lessons waste of time. ### 1/5 — A waste of money. *2026-08-14, version 1.180.3413* WARNING!!!The app doesn’t fulfill what it offered on the commercials. ### 1/5 — You changed *2026-08-14, version 1.180.3413* Did not disclose that they were changing the way they report to Cedit bureaus and my score went down 50 points after the change. This service is supposed to help not hurt. Very disappointing ## Most praised reviews (10 highest-rated) ### 5/5 — Still new *2026-08-26, version 1.181.3445* I have been a member for a short time but my credit score has increased faster than before ### 5/5 — Raising my credit *2026-08-26, version 1.181.3445* One of the best moves I’ve made so far ### 5/5 — A New Beginning *2026-08-26, version 1.181.3445* Kickoff has worked amazing in such a short period of time in getting my credit on the right track. I definitely would recommend this app if you’re looking to build your credit fast!! ### 5/5 — Awesome *2026-08-25, version 1.181.3445* I love kick off best thing I could have ever done my credit score has increased tremendously ### 5/5 — Grow credit with Kikoff *2026-08-25, version 1.181.3445* After applying for credit cards my score went down but kickoff helped it get back up ! Thankyou ### 5/5 — New builder *2026-08-25, version 1.181.3445* Great app ### 5/5 — Kickoff *2026-08-25, version 1.181.3445* My score jumped 74 points the first month ! With premium ### 5/5 — Great *2026-08-25, version 1.181.3445* Started with 0 credit and now I have 613 which is not bad I will continue to use this app till I get a much higher credit score! ### 5/5 — Honest personal opinion these app is a must in today times *2026-08-25, version 1.181.3445* Super grateful for the founders of kikoff honestly one of the besf credit help app and im juts giving my personal opinion base on my results definitely recommend ♾️ ### 5/5 — 140 Pts *2026-08-25, version 1.181.3445* Started using kickoff in February. Up 140 pts already. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*