Don’t believe the haters (they don’t understand what Kikoff does)
Without Kikoff I would still be takin the bus to work (instead I got I approved for a new whip skrrrt skrt). This app is GENIUS. Its for literally one thing - Building credit. All the haters on here clearly don’t understand what Kikoff does (hmmm not understanding what they buy is probably why they have bad credit in the first place…?). Some of these comments like “where my money at” and “I didn’t know it takes time to work”… blah blah blah pleeeease!!! If you want money, don’t get Kikoff. If you wanna get your credit right so you can get money later and have healthy credit, get Kikoff. Not trying to rip on people just sayin… dang. Not that complicated. Kikoff gave my score a boost an then helps me build more credit by helping the factors that make up my score. This app is for people who WANT to work towards better credit FOR REAL and want a legit hack that gets them results faster. My score went from a 605 to a 690 in 2 months with literally NO WORK. I didn’t even pay off any debts… this app do it.
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.
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.
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.
I started building credit with Kikoff. Then I was offered a debit card with a $200 bonus. Next thing I know, my account was hacked and all of money was stolen from only this card. I have been calling and emailing them in hopes of getting my money recovered. They sent me a replacement card with the exact numbers as the compromised one. Now, I’m waiting on another card which I should have received according to them. They can’t tell me where the card was sent. The person who hacked my account has her email address attached to my account. Again, after numerous emails kikoff’s higher support still has not removed it and replaced it with mine. She has full access to my app and what money I have and will be receiving. She can change the PIN number and activate my new card, and get the new card number from the app. I don’t even know how to prosecute this person because she lives in Arkansas and I live in Georgia. I am ready to take Kikoff to court as well for not protecting my information. I have since looked into the company at the BBB site and there are way too many stories similar to mine.
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
I really didn’t know what to expect I have 5 charge off accounts and have badly killed my credit for foolish financial mistakes in life but decided to really work to fix and and build it up so in July my credit score was a sad 509, 2 months! Just 2 months in with my kickoff credit account & my kickoff credit builder loan being reported to the bureaus my credit is now 607! that’s 98 points in just 2 months. I’ll be honest I got the ultimate plan which is a $3,500 credit account I wanted the highest credit limit + most importantly wanted to be reported to all 3 credit bureaus. my score was actually 428 on march 12th & had opened a capital one secured credit card with $1000 credit limit but with Kikoff being added to my report it made it $4,500 credit limit which dropped my utilization ratio, I don’t know what to expect from here on out I will make sure to pay on time every month and hope it goes up even more but all I can say is AMAZING point blank period.
I really don’t write reviews since 1. I’m more of a word of mouth type of person and 2. I simply don’t have the time. Since joining about a year and a half now, my credit score has not only significantly increased but, my life too. At the time, as we all know, it’s been a rough one for the past couple years, I was so broke and I was In a position where I needed to move immediately. My credit score wasn’t looking too good for hard inquiries that year Lordd, I started investigating and asking around to where I saw on my IG this platform. At that point, I just said why the heck not, it’s $5 a month and I can substitute my Wendy’s 5 for $5 I’d like to treat my self too since honestly really was needing too haha. Signed up, paid the fee and then a month later, I checked my credit score and it when up like 62 pts!!! With that, I was now able to get a new place with a super low to dang near no fee for my new spot, in the name of Jesus! Thank you Kik off 💜💜💚💚
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 Hammond Las Vegas Nevada
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.
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.
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
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 !
I had kick off for 10 months please read this carefully. I unsubscribed in August 20 23 and they were still billing me. I unsubscribed through the app. They were still billing me without my knowledge because I’m thinking that the account was closed the last payment I made was the month that I closed the account so I’m thinking I don’t owe these people anything because I found a dispute or something and it took them about three months to get back to me regarding the dispute so I was unsatisfied with their services, I looked on my credit report trying to buy a house to see why this was on my credit. They said the subscription was still ongoing, but I told them I unsubscribe however it goes now this is on my credit report as a charge off and I am going through attorneys to sue this company for false misleading accusations, I called they told me there’s nothing I can do even if I was to pay the balance off. It was still charge off so don’t even waste my time I called spoke to several representative. They really don’t speak English. This is fraudulent and needs to be taken down.
I got the kick off credit builder card where you pay $10 a month and at the end of 12 months you have $120 loaded onto your card as well as 12 months of positive credit reporting which will help your credit. I decided to get the card and soon I became annoyed by the monthly withdrawals. I hate automatic withdrawals and I canceled the card and told them I would like no further ties with their company several times for me to cancel this card and now months later I’m seeing them reporting a negative balance on my credit report for $35 and I never even use the card. All they did was keep taking money from me each month as agreed I don’t know where that’s at either now that my accounts closed and I had been paying into it not only that but like I said now months later, they are reporting to the credit bureau that I owe them $35 when I never even used any of their services and no attempts were made to get in touch with me regarding this $35 balance that I supposedly owe either oh, I can guarantee you I will be disputing this on my credit report!!!
I will update this review, because it’s too soon to see a change to my credit, but I will say, this app is amazing so far! It helps you dispute old things on your credit report. I am a person that can’t call people on the phone. I can’t do it. So if I know that if it involves calling? It won’t get done. I’ve procrastinated for 6 years on removing things from my account. I know that sounds terrible, ADHD is a wild beast. This app not only shows you what you owe, but there are options to dispute it right at your fingertips. One click, and they actually generate and send a letter for you. It’s so easy. I chose to pay for the $20 a month option and for me, It’s already been worth it. Leaving this review on 5/9/24, credit score is 640 (yikes right) but I’ll update with the progress and let’s see how it works together yall lol.
I wish I had known about Kikoff years ago! This app is absolutely amazing. Provides me with an opportunity to to correct mistakes I’ve made with my credit. I saw the lady being interviewed a while ago who created this and I just want to say thank you so so much! You are helping me become self sufficient financially I appreciate you much! Those of you who were like me getting a credit card paying good on it at first and then something happened with your income and you weren’t able to pay it and then it going on your credit. This is what you need! You need to yo download this app immediately all you have to pay is five dollars or $20 a month (you choose) and it will boost your credit score, by giving you a positive on time payment history, credit age history, and a positive utilization!
Anyone and everyone that has just realized that credit IS everything and needs help raising your credit score fast and easy you need Kick Off Lending! This is truly a credit score hack!! I wasn’t sure if this was going to work but I figured worse comes to worse I will lose 10$ per month but if it does I gain 100 + points on my credit score… being the typical gambler that I am I quickly signed up, here I am 1 year later, I just received a check back for every penny I invested AND my credit score went from 400s to mid 600s!!!!! I couldn’t believe it! I am definitely signing up for the upgraded “loan” that I am now approved to utilize! Kick Off saved my life! I was denied everywhere I went before Kick Off Lending…. I now have a new car, a beautiful house and good credit! Thanks Kick Off Lending!
The app works. It does get your credit score up, however, it will only increase significantly the first month or two. Which I believe my score did go up about 70 points when first beginning. Now every month it only increases by 2 points, which can be a slow journey which is why I deducted the first star. Kikoff lost their second star because of the non-working biometrics. It scans my face numerous times, but yet… it’ll fully log me out occasionally and force me to type my email and password which is very annoying when I constantly remind the app to remember my face and automatically log in. It makes it annoying to have to check the app and keep up with payments because of the faulty system they have. Update this, or I won’t be back after the 12th month. Thank you :)
Talk about the app I DO NOT recommend to anyone. SAVE YOUR CREDIT WHILE YOU STILL CAN, BUT DO NOT USE KICKOFF. I invested in the kickoff app in February of this year in an attempt to help build up my credit. Heaven forbid anything in life happens to someone where it causes you to miss a payment. Now, because of trying out Kickoff, not only do I have an even WORSE credit score than when I started, but kickoff reported to the credit bureaus that claiming I took out a loan of $250, and now I’m expected to pay it back. There is only one problem, I NEVER EVEN TOOK OUT A LOAN. I never ever received any kind of credit line or money through a loan from Kickoff. When I contacted their customer service with my concerns, they were absolutely no help. They wouldn’t give me any of the money that I did pay toward my “loan”, back nor would they help me file a dispute claim with the credit bureaus or figure out a solution so my credit didn’t get even worse. Their customer service is rude and not even the least bit helpful. Again I REPEAT, DO NOT SIGN UP FOR KICKOFF. You will regret the decision if you do.
Kikoff has truly been a game-changer for me. Since joining this credit-building app, my credit score has skyrocketed by over 150 points! I couldn't be happier with the results. The app is incredibly user-friendly, making it easy for me to navigate and understand the steps needed to improve my credit. From setting up my account to utilizing the credit-building tools provided, everything has been seamless and hassle-free. One of the aspects I appreciate most about Kikoff is their commitment to transparency. They provide valuable insights into my credit profile, allowing me to track my progress over time. It's empowering to see the positive impact that my actions are having on my credit score. Additionally, the customer support team at Kikoff is top-notch. Whenever I've had questions or needed assistance, they've been quick to respond and offer helpful guidance. Overall, I can't recommend Kikoff enough to anyone looking to build or improve their credit. It's been an invaluable resource on my journey to financial health, and I'm grateful for the positive impact it's had on my life. If you're serious about taking control of your credit, look no further than Kikoff. You won't be disappointed!
I have been using Kikoff for a couple of months now as long as you use it and understand how to use the app it will help you build your credit. My credit score has went up 150 points with the last six months not to mention if we use this current credit card, it’ll go up even more and when an additional 50 points, including the secure credit card, this is very easy to use. Yes it does cost money and if you use the loan you have to pay $10 a month but they give you your money back at the end of the term it is very helpful. just make sure you pay for the one that reports to all three credit bureau it’s worth the money. Trust me I couldn’t get approved for anything. I can get approved for almost anything. I apply for thank you kickoff.
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!
I’ve had this app for one month. My credit score has fell 86 points because of it. I can’t find anything on the app saying why this has happened and of course no customer support that you can actually speak with. So I’m kinda confused and frustrated. It’s now been about 6 months. The day my account opened my score went from 747 to 660. After paying $5 a month for the past 6 months it hasn’t changed. The app says my credit score is 660 but when I tried to get a small loan for a dental procedure my credit score is in fact 618. If I cancel and close this account my credit will take even more of a dive. So it’s a very dirty practice this company is playing. You pay for them to do nothing and not help you establish anything and if you cancel it it will hurt you even more. So it must be nice to receive money for nothing Kikoff. Shame on you. I’m writing to Apple to complain about this issue. It’s even shows on the graph in the app when I started using the app and when my score dipped on the same week.
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.
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.
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!
Well I tried to sign up for kickoff. Signed up ages ago but my email account originally signed up with was hijacked long ago along with all passwords to all accounts I owned, along with bank and credit card accounts, personally identifiable information such as drivers license and social security numbers. Thanks to an mentally abusive past relationship. Here I have literally done everything possible to clean up someone else’s mess under my credit, as my life has crashed down all around me even causing me to lose my home and all in it. Coming to this app to start over gave me a glimmer of hope just to have that hoped ripped away once again. There is no way to access my old email. Kickoff states I have an account but gives me no way to access or even update previous email address to new address. What’s up with that. Don’t even know my account number as I created account but never used it. This blows.
When I signed up for Kikoff nearly a year ago, I was informed by a verified sponsor on tiktok that the money you paid every month was like a “prepaid credit card” or a “savings account that builds your credit” and once you hit so much money, you get that money back. Well, today I realized it’s been months since I should’ve hit the amount and I should’ve gotten my money, so I ask customer service and I am informed that the money you’re paying every month is paying them to improve your credit, you do not get it back. So all together, I’ve wasted nearly $300, just thrown in the trash. Because they are paying people to advertise their app to people and giving them false information. I’ve been working very hard on my credit score in the past year in many different ways, so I cannot say that my credit score has risen because of Kikoff. This app should be illegal. I can’t imagine how many other people are also under the same impression I was.
I’ve had this app for several months, they introduced the “credit builder card” where you add money from your bank to a card and they report to the bureau. The problem is that it takes forever to transfer, talking about a WHOLE SEVEN 7 day wait. And you can only load the card once a week and the amounts are crazy low, nothing over $100 bucks. If you wanted to load say $300-$400 in one transfer, 1. You get rejected with “the amount is too high” 2. You get a “you have exceeded your weekly amount of transactions” and 3. You WILL HAVE TO WAIT 7 days to use that $100 bucks… Handwritten checks CLEAR MUCH FASTER. If you want to cancel your card you’ll be penalized with a drop on your credit score. Think very carefully before using this app, is good for those who are starting super small to go up 10-15 points but for those who want a serious increase, this app will look like a Joke. I really wish they could fix this because is supper inconvenient
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.
I wanted to sign up for kick off because I really needed to fix my credit and for the first few months it was great my credit was almost at a 750 score in the beginning your told you will only have to pay maybe up to 5 or 10 dollars a month but they started charging me 20 dollars or more a month and I can’t do that so now my credit is back in the 500’s they lied about how much you pay each month. Then they sent me two checks for 120 but when the bank called to verify the check they wouldn’t do it so I ended up with two checks that I could not get cashed because they would not verify them. Since then they have sent me another check that yes I did cash but then they closed my account before I could pay them. So I’m not sure how I feel about them but I’m not paying 20 to 30 dollars a month I’m sorry. 5 to 10 was cool but not 20 or 30.
I’m a 50 year old child! I have been going through the worst possible times in my relationship and career since Covid! My car broke down and needed more repairs than it was worth. So it’s time for a new one. I went to the dealership that I have always dealt with, for them to tell me I didn’t have a credit score. I had so much negative things and no open credit. That I literally didn’t exist in the credit score system! Within 5 months of signing up with this program, not only do I have a score, but it is 703! Yes! In 5 months 0 to 703! It is well worth the time it takes to sign up! Do it! Do it right now! You will thank yourself soon!
Yes, the company will help you rebuild your credit because you can not use the actual credit on anything besides ebooks basically you have no actual buying power on anything else unless you pay for a secure credit card!! They open you with a line of credit and charge you $50 for that credit line that you can not use. Again it will help build your credit because the available credit is open and below 10% which shows open credit on your credit report. But the company is misleading saying they have a credit store you can use the items on thinking I be able to purchase different merchandise from them when in reality you can't. So if your looking for available credit this is not the item for you if your looking to rebuild your credit with no responsibility then it's perfect for you. So just know what your signing up for!!!
They advertise that they give you an instant transfer , I did instant transfer from my bank and 2 days ago and I’m still waiting for my money, I call customer service !! And I tell them what happened and he sees that the payment still processing and that it was suppose to be an instant transfer he then tells me I have to wait 4 days for it to process, so then I ask him if Kikoff considers 4 days and”INSTANT TRANSFER” and this man tells me yes. I’m like wow! :o , now I ask to speak to a supervisor and he puts me on hold then says he’s now going to get the supervisor, puts me on hold again , then comes back to say he is going to try to deal with the situation as best as he can, I’m like w.e we get nowhere !! I asked to speak to supervisor again and he does the same “put the phone on hold game”, atp I just hung up, and I don’t think I want to continue to do business with people who plays games and peoples hard earned money THANK YOU !
I would not recommend. I downloaded the app last summer and registered but never completed the loan to my understanding and I just found out that kickoff has continued to bill for the loan for the last 6mos even though I was sure I’d cancelled my registration. I’ve not received any contact, by phone or email, since last summer when I registered and when trying to finance a loan with my credit union today I found out I have a nearly $500 balance!!! And it’s restricting me from other credit options. When I call/contact customer support they say my social doesn’t even correlate with their records for an account. I’m definitely disputing this. I only engaged this service as I thought it was a positive and solid business but your poor protocol and business ethics are making my credit worse. Thanks for absolutely nothing but more credit trauma, kikoff. -Regretting Registering
I started with 0 credit history. Never had any loans or starter cards or anything. I thought Kikoff might be too good to be true, but over the last year (just one year!), my credit score went up by over 100 points and I now have a very good credit score. My first credit card ever is Apple Card, and I love that I never had to deal with bad interest rates or lack of benefits on a starter card. My improvements since then have been a combination of Kikoff and my cards as well as other financing in order to build more credit history, but I wouldn’t have been able to do any of it if I hadn’t started with Kikoff. DO IT, it honestly helped a ton.
Experience simple credit learning made easy and effective
Be aware score will most likely drop, in my opinion, significantly once the obligation of any contract on this app is completed. GOOD or BAD thing… obviously a bad, how could 75-50 points lost make anyone feel great about completing an obligation flawlessly at that. BUT subsequently it also shows you immediately the impact that the business can have on your credit vs not. Plus you can always open up new accounts soon as you close one and the payout method and card associated with the account make the entire process simple and fast acting. Definitely worth checking out when figuring what the different methods of credit growth on your journey will do for you. 🙂↔️
This app is incredible. Opened an account in February and it’s only the end of April and my score is already up an average of 117 points across all 3 credit bureaus respectively. I don’t even have a bank account or any credit cards. I use this app and also use Current as my bank account and between using the Current credit card to report all my purchases and pay off my collective balance, and utilizing the 2500$ credit line with Kikoff, I literally went from a 488 to a now 617 in basically 2 1/2 months. Absolutely amazing app, even though you don’t get your line of credit in actual cash, it still works out perfectly. Thanks Kikoff
So I’ve had kikoff for about 5 months now with the basic $5 plan. One of my credit scores was only 5 points before I joined and it jumped up to 635 only after about a month of joining. My Trans Union score just went up 69 points today because 3 weeks ago I opened the $10 a month loan and I also applied for and got my credit builder card after depositing 50 dollars which is the mandatory minimum if you want kikoff to report your spending to the credit companies but money is yours to spend. I’m extremely excited to see how much higher my score goes and plan to rent a house and apply for a unsecured credit card once it gets high enough to do so.
I wish I would have found this app years ago , I would be so much better off. This app raised my credit score up 50 points in two weeks, and deleted not 1 but 3! false creditors iff of my credit report that were constantly filing a nonexistent debt in my name every year for a tax write off!! This app even teaches you how to properly write the credit bureaus to dispute items on your credit the proper way, I can't thank them enough and I pray that we all get on the right track! Some progress is better than No progress! Don't give up just be patient and keep working on your goals and stay focused, I believe Kikoff has your back .
Obviously you need work on your credit and the time you’ve wasted ignoring the bad credit you could of been making a change with 2 bucks ....heck that’s 5 times the price of your junk coffee and only thing your left with then is a empty cup ...join this program and start going forward and positive it all starts with you ....you oppsed up your credit and you have to fix and use this tool to your benefit and get back on the good road to better credit i gained 45 credit points in my first month 100%FACTS GO AHEAD AND JOIN YOU WILL THANK ME LATER ...take this credit game serious cus the only one who will lose is you ...we all wanna win right ?
When I first heard of this Kikoff program, I thought it was a joke. A scam. But the person who recommended the program swore by it. So, I signed up and forgot about it. After forgetting about it two months later I was confused as to why my credit score was going up so fast. When I looked into it, I realized Kikoff was in full affect. Before Kikoff, no credit card company approved me but now. Now I have a few cards and alongside Kikoff, it’s all working towards my new and improved credit score. I was at 430 and now 680. Your score is so important that’s why the Kikoff Program is so important to have. Big thanks to Kikoff changing my life! 🫱🏼🫲🏽
They basically act as if they give you money so they can report it to your credit bureau once you start paying off the money they claimed they loaned you. Which is cool that’s what’s expected but if you ever miss a payment they will send huge negative report to your bureau. Which is crazy considering they aren’t actually giving you money. I had 100$ left to pay off I missed one payment and it undid everything for the past year that I’ve been paying on. My credit went from 600 to 633 using 2 other apps plus kik off I missed one payment with just Kikoff and it shot down to 595. lol just 1 payment and again it’s not like they actually give you money so for them to go so hard on you missing payment one time is crazy. Worst part is they charged my account a day before I got paid for some strange reason which lead to the miss payment.
I’ve been using the app for a year now, no issues, Credit has some movement. But my issue now is, I can not get in contact with someone in customer service. There’s no number, the chat does not work.. I am being double charged each month and it always come out early. If Aprils payment was paid early in march (twice I might add) then charged me 4/13 and 4/14 telling me my payment was paid early but it’s not due until may 5? I never approved early payments and why am I being charged double? I got the debit card can’t even add money because I won’t accept my bank info, I’ve been trying for weeks. And there is no one to contact in customer service. I would hate to close my account because I do enjoy the few point I receive so I would really like to get this straight. Thank you.
Title says it all!! Builds credit quickly. I was like you reading the reviews. I usually don’t take the time to write a review but felt I should for this. Let me say I was pretty skeptical at first. But with a low 600 score and trying to raise it I thought I’d give it a try. For one I probably waste $10 a day so figured WTH and definitely not gonna miss $2 a month. So with that said I’ve had Kikoff for little over 4 months and Kikoff alone has raised it 25pts. I hope this review helps in your decision and gets your credit where you’re needing it to be. If so tap that helpful thumbs up for me. Thanks and good luck on your journey!!!
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.
I just think it’s so funny that someone would rate this one star because they didn’t get money or couldn’t buy cool stuff in their store. THAT IS NOT THE POINT OF THIS APP. This is a great program that reports a $500 dollar line of credit and doesn’t give you many options on things to spend it on, because the point is NOT TO SPEND IT!!!! (WHICH HELPS YOUR DEBT TO CREDIT RATIO) This app is great for anyone trying to give their credit a little boost because it helps your debt- credit ratio. And for $2 a month you get payment history. Plus the things you can buy in their store are all about helping credit and saving money.
I want to start by saying I do LOVE this app and this company. It has helped me tremendously. However, I’ve been fixing my credit more and noticed 2 late payments reported from 2022. Super confused since it all should have been autodrafted but may have been around the time I was switching bank accounts which may have been why this happened. Regardless, I reached out asking if they could be removed since I’ve been in good standing with them since (at least according to my credit report). I was told they could not open another credit builder loan for me due to my late payments in 2022 which isn’t what I asked. I let them know this isn’t what I was asking and then they said they can’t refund me for my subscription fee either. This is also NOT what I asked. I do not want any refunds I love using Kickoff. Eventually I just left it asking to be mailed a letter with the missed payments I owe so I can get it paid and get my credit report to reflect properly and left the chat. Credit report has a 99% payment history because of 2 missed $10 payments 2 years ago. I’m more than happy to pay them to get it removed.
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.
If you’re ready to build your credit, Kikoff is the fastest, smartest, and easiest way to do it. Kikoff customers who make on-time payments see improvements of their credit score by 58 points, on average.* Sign up for Kikoff Basic plan for just $5/month or Premium plan for $20/month. You’ll get a credit line reported to Equifax, Experian, and TransUnion** every month. Each on-time payment builds payment history, which helps your credit! Whether you have a low credit or no credit, 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 or a $2,500 tradeline. 2. You make a purchase with that tradeline (limited to Kikoff), and you just pay back what you spend (most popular payment amount is $5/month). We report those payments to Equifax, Experian, and TransUnion every month while your utilization rate stays 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. Watch your credit grow! We also flag changes and errors on your Equifax report. And for Premium Credit Accounts only, sign up for Rent Reporting to have your monthly positive rent payments reported to Equifax. Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest. *Credit Score Increase: Based on Kikoff customers who start with 600 or below credit. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022. **Which bureaus are reported to depends upon which Kikoff products you have. Kikoff Credit Account and Secured Credit Card reports to Equifax, Experian, and TransUnion.
