Kikoff – Build Credit Quickly

Name: Kikoff – Build Credit Quickly
Rating: 4.8895 (70280 reviews)

Finance

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Kikoff – Build Credit Quickly

Finance

4.9

70.3K ratings

Age Rating

Seller

Kikoff, Inc.

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User Reviews for Kikoff – Build Credit Quickly

Thank You for Helping Me Rebuild My Credit Score!

I want to express my sincere gratitude towards the Kikoff team for helping me rebuild my credit score in such a short period. I cannot express enough how much the Kikoff program has impacted my financial life positively.I had hit the worst period of my financial life four months ago when I came out of a bankruptcy, and my credit score had plummeted drastically. I was feeling helpless and didn't know how to rebuild my credit score. That was until I stumbled upon the Kikoff program.I have looked at several programs that help individuals rebuild their credit score, but Kikoff's program stood out from the crowd. It is, by far, the best program out there, and the only one worth starting. I appreciate that Kikoff values its customers' financial success and aims to help its customers without taking advantage of them.I am amazed at how effective and efficient the Kikoff program is, and I am thrilled to say that my credit score has improved significantly over the past four months. My credit score is now 675 on Equifax, 651 on TransUnion, and 642 on Experian. I could not have achieved this without the help of Kikoff.Once again, I want to thank you for all your help and support. Kikoff is the only credit builder program that I would recommend to anyone who needs to rebuild their credit score. You guys are doing a fantastic job, and I wish you all the best in all your future endeavors.Best regards,Bill HammondLas Vegas Nevada

Authoroty, Apr 20, 2023

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.

Cannon-K, Jan 14, 2022

Thank you for making a way!!!!!!

Since the pandemic began our credit went upside down when my husband and I both lost work due to C-19. We relied on credit cards to support our family to survive. And despite our best efforts since then we couldn’t find a way to repair our credit back to what it was. It was only moving 1 point a month for each of us, not nearly fast enough to get approved for home loans, renting, auto loans, emergencies, all the important stuff. We’ve both been using KickOff for a few months and our credit has significantly improved since joining. We are even considering doubling up soon on their second credit builder they offer. We just found out we can get a car loan for the first time! So we are so excited to finally be getting a vehicle!!! This will actually change our life. Cannot thank KickOff enough and will continue to use it, I would recommend to anyone who needs to build new credit or build back bad credit! This is a life saver!! 10/10

CheyFox, Jan 08, 2023

Credit Crusaders 🤓

The creator/s of this app should be given ‘credit’ and dubbed the Credit Crusaders and/or conquerors or ooo Conquests of Credit, nah Concreditors ( e.g. conquistadors) 🤪 haha; these most mindfully and thoughtfully driven people are the ones who not only care about a problem then just talk about it, they turn those intangible thoughts and make them tangibles and obtainable. And what makes me so proud of them is that they knew and know how important credit is, how it’s literally the thing that holds people back in life especially Americans’ lives, which is my only experience to speak on. These Warriors of Wealth Health should be given much praise and recognition for their hand in helping any and all who use this app and like myself already have a better credit score which has opened up many opportunities. You are the best of us and I can’t thank you enough for what you’re ambition has done for me and many others.

Evc523, Oct 09, 2021

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!

haileeyleneaa, Dec 18, 2022

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!

IWasAnAccident_80, Apr 14, 2022

It works!

It’s been two months, & I’ve gone up 41 points ☺️I started with 525, one month later I’m at 540 & now I’m at 565. Understand this is not some kind of unsecured credit or loan, so you’re not really getting a $55 credit. You’re basically paying for a credit reporting service that will cost you $5 a month for 11 months. You’ll also have an option to use their secured credit card to build your credit faster, & a monthly “loan builder” where they report it as a loan you’re paying back at $10 a month for 12 months, after that you can cash out your $120. I’m pretty sure the company gets a good amount in interest by investing our “self paid loans” & we get to build our credit for free, so it’s a win/win 🙌 try this it works! Just make sure you don’t miss any payments, because that obviously affects your score negatively. Good luck !

Jessica321780, Jan 17, 2023

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

MattieMattw, May 26, 2022

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.

mlk316, May 12, 2022

WILL NOT HELP YOU OUT IF YOUR CARD IS STOLEN. NOT FDIC.

I had Kikoff for over a year. Honestly enjoyed the credit building programs up until 6 months ago. Someone stole my card started using it for purchases. I reported it stolen, locked my card, and ordered a new one immediately called Kikoff to get more details (IP, name, location, etc) the customer service agent told me I would see it on my statement and I would need to contact corporate to get the details per transaction. I was seeking physical proof to submit a police report and prosecute the suspected thief. Due to kickoffs failure to provide me this information this person got away with theft and I have to just let it go. To this day I still get notifications from Kikoff saying my card was tried but failed due to it being reported stolen and a new one issued. Still get notifications and every time I contact Kikoff they say they have no further information. Email support was the worst and was just apologetic (basic human sympathy) but no profesional action was taken and no further information could be disclosed about these attempted charges. They are NOT FDIC insured. They do NOT have your back. They will NOT help out when needing actual proof to fabricate to law enforcement for a police report or pressing charges. DO NOT DO BUSINESS WITH THIS COMPANY.

Not Your Guy Duh, Oct 04, 2023

Description

If you’re ready to build your credit, Kikoff is the fastest, smartest, and easiest way to do it. Purchase the Kikoff plan for just $5/month (with no additional fees or interest – yes, really). You’ll get a credit line reported to Equifax and Experian every month.

Each on-time payment builds payment history, which helps your credit score! Whether you have a low credit score or no credit score, we make it easy and worry-free – no credit check required and it only takes a few minutes to apply. How it works: 1. We lower your credit utilization with a $750 credit line. 2. You make a purchase in the Kikoff store with that credit line, and you just pay back what you spend (our lowest + most popular payment amount is $5/month). We report those payments to the credit bureaus every month while your utilization rate stays low (like 8% low). 3. You have the option to put your credit building on autopilot by turning on AutoPay – that’s right, no heavy lifting required from you after account setup. Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.