Kikoff: Build Credit Quickly

kikoff help me alot, I now have great credit. it's very simple,just sign up and start building your credit.

finally. Thank you.

So, this is a complete scam. Their ads are very deceptive. Predatorial service and language. This company should have a class action leveraged against it. You do not get the $750.00 the ad seems to promise. What you get is a payment to this company which they then report to the credit bureaus as on-time payments, in order to raise your credit score. That's all you get. A monthly payment. You can do this through making payments on time to your debtors and your bank, already do this, for free.

it's boosted my score tremendously and I never thought it could be possible when my score was poorer than poor

Working on my credit score has been so rewarding! Seeing real, positive progress gives me complete confidence that I'm on the right track.

credit goes up slowly but it does! im extremely happy!

kickoff is the best thing that ever comes to me..

Thank you for your service 🙏

been using a while. helps to make my credit score visible.

love

well balance information

neat

I qualify to get a apartment now because I have better credit thanks to kickoff because my sister and brother in law destroyed my credit

While not initially what I expected, Kikoff has helped my credit go from bad to good in an exponential amount of time, expanding my credit opportunities and putting me on a pathway to great credit.

best app ever I put three stars cause I wanted you to see a real user opinion. I would've given it 5 stars. It's an incredible app if you have bad credit and are trying to fix it. Just buy the program and check it regularly and you'll see. I'd get into more detail but honestly it's the credit line app I've ever used. PS DONT MISS SUBSCRIPTION PAYMENTS DO IT ALL AT ONCE YOUR WELCOME. Good work Kickoff

This has been an effective tool for me to meet me credit goals and stay on track with my budget. I am very pleased with Kikoff. Thank you so much!

its working

it has been extremely helpful

good for me

I had lost my job, but glad to be back, hopefully you will be a bit more patient with me this time, I'm one of the good ones

its amazing, my score went up in a month.

great

Excellent service with real results. Trust, I have been using Kikoff since April 2026. I previously knew quite a bit about credit but Kikoff has honestly taught me much more. Also, Kikoff is for ANYBODY not just for people with bad credit. This is a totally honest review and I stand by it 100%

incredible tool for people new to credit building!

Easy to use.

4mo in got approved for my first credit card

terrible never helped me out like they claim

So happy i give this a chance to boost score

it was in my face with pop ups and constantly trying to sell me on something. for a credit app I couldn't even look at my other credit scores without "upgrading" to pay more to the app. lastly what it said my credit was and what atlas says my credit is, are both completely different numbers. I felt as if I was getting no where and didn't even understand what the app was even doing for me. I was just paying it to pay it.

helped boost my score by 76 points so far!

Great so far

Life don't have to be unfair, from my experience. So, thank you and keep up with good work.

It Works!!!

unbelievable went from511 to7ll in 2 weeks they do an AWESOME JOB!!!

$35 a month and credit doesn't increase.

pay your bills on time people kikoff is a ripoff

I canceled and yall still hit my credit. why your service didnt provide what I needed and you want money I never owed you. don't use will hurt you more than help if you dont want to just throw away money. plus the reviews seem bought not real.

great should've done it sooner

I'm not the one to sit here and write reviews unless its to warned other users that could potentially be harmed while using this app. You're better off applying for an actual credit card rather than using this service. They will come and get you for missed payments, and when you try to cancel the account they will make it impossible for you to cancel. They will end up reporting you to all bureaus and harm your credit even more. I wouldn't recommend this app to ANYONE!!

Awesome 👍

great job

I looove it!

480 to 690 in 1 year

I really like this app especially considering that my sister is an identity thief and has stolen my identity and had recent activity on my credit report. it gives me all the details that I need without making a bunch of phone calls. I really like it

it's literally throwing money away every month

Kickoff has been helping my credit score rise little by little. I realize that this will not happen overnight, but this option is a lot better than bankruptcy.

I really appreciate kickoff account my credit score has really improved 😁

Loving it for saving $ and build credit.

Rebuild my credit and is a good guy. Highly recommend.

I'm working on bettering my credit and kikoff is helping me get there 💯💪🏻😎

it helped me rise my credit score

New, but loving the simplicity of using the App.

The worst company, don't waste your time, just make your payment on time on one credit card with real money that you can use, no make payment here where you never can use the money, you just give money free,just get a real credit card with Credit Karma and use 30% of the credit and make monthly payments on time and you credit go up. This company is a scammer.

I had a claim open during a whole talking defamation incident still continuing while other people kept making it a crime at the begging. I wish I saw more effort out into the claim. the other issue I had was my credit rating went up to around 700 and all of a sudden without any credit impacts dropped one day 120 points with zero reasons that could've caused that except for something that seemed like a cyber teorrism attack on credit targeted from the kikoff boost.

good app helped out alot

Awesome tool for building ones credit!!!

really easy to boost your credit

Helped me get my score up to 700 +

made zero money

Costs money

great app

I didn't think it was possible for my credit to increase Kikoff raise my score within weeks

great

this app is helping me get my credit. worth the monthly sub

+135 on my credit in 90days

great!

helps out with everything and the website and app is very detailed

want allow me to exit

I would have given them -5 but ya know!.....this app was fine until I wanted my money back .....Nah they said we're keeping that ,cause thats what scams are take your money and thats it

kikoff is works great raised my credit score 104 points in 3 months i pay the 35 dollar subscription and they do alot more join you wont regret it I love it.....

this is just a scam. you pay every month but you never see that money. what happens with the money, nobody knows. you don't get anything but you are spending money. if you want your credit score to go up, just pay off balances. I have a balance on there and it don't even give me the option to pay it off

strongly recommend

Kickoff really works! They report to all 3 credit bureaus. my credit score has risen 158 points since using Kikoff last year! There are no ads and no gimicks.

This is a great way to raise your credit score! Mine has gone up over 100 points in a little less than a year. Kikoff is a great service!

🤗🤗🤗🤗🤗🤗🤗👁️🌼👁️

love it

ads for this app lie about what it does. Took money me and didn't do what it claimed in the ad. edit: they replied. I'm not calling you, you lied, took my money, then said it's not a credit card, why do your commercials claim otherwise? false advertising is illegal. I'd give you zero stars if I could.

it's really good helps me keeps track of my score

kick off is Great

helped my credit almost instantly

awesome 😎

keeps you on your toes and gives you a guideline on how to build credit!

Kikoff is not a scam, but a legitimate credit-building service, though some users report frustration over billing practices and account cancellations. Is Kikoff Legit? • Real Company: Kikoff is a real financial technology company that reports on-time payments to major credit bureaus (Equifax, Experian, and TransUnion) to help users build credit history. • How It Works: They offer a revolving credit line (starting around $500 used for purchases in their store).

nice

good

great 👍

improved my score tremendously.

So far so good

great for building credit , easy to use.

good

been a good experience so far

This company is horrible! first of all the upgraded me to a $35 a month charge without even asking my permission. I had to call for 3 months in a row to get this canceled, meanwhile they still charge my account every month!

I Tried too many times to count to try and log into this app without success! so disappointed if I could give no stars I would

they basically just take your money and you get nothing.

good

love it my credit has gone up thank you

,👍🏻

I liked the service. Unfortunately I had to stop the subscription due to my budget getting tighter. kikoff not only reported the late payment I made, there's a charge off reported on my credit now for fake store credit. Be careful and avoid if you're not confident to continue the payments. I did gain 12 pt after the first month but the charge off dropped my score by 22. I'll never recommend this or any service similar to this.

honestly I believe this is the app to must have if you are repairing your credit figuring out your credit or just monitoring it

I just love it period, they do amazing on credit building. Highly recommended.

Honestly, I couldn't have raised my credit so quickly on my own. I had No credit, which is al.ost worse than bad credit. Three months with Kikoff, and my credit score raised 85 points and I was able to get other credit cards and today my score is 720! Thank you Kikoff 😀

False advertisement. The line of credit isn't a credit card or any type of bank account with a card you can use in the real world. This is only for stuff you get through the app. If the app offers things you could use, go for it but need an actual credit line with credit card to use in the real world, keep looking.

So my 2nd payment to kikoff declined because my card was unknowingly locked. So I solved that problem but now I'm trying to make an actual payment to get caught up and the kickoff app won't allow me to. I don't know if it's frozen or what. You enter your info but it doesn't submit. I think it must be a glitch in the app. But it will affect my payment history. I can't find a link for help/customer service to contact for assistance.

hard to switch I made the mistake of doing $35 and can't switch it making my credit bad in trying to change back to the$5 still can't I even caked in to have it done and it's been 4 months nothing yet I'm gonna have to cancel it.

You can add routine monthly bills to your credit reporting if you are willing to link your bank account. It will look through history and suggest a routine payment(even rent). boosted my score 15 points the very next day. Highly recommend for those who do the work without seeing the progress!

they make it very easy to accidentally upgrade your plan. then when you try to speak with someone they say you have to keep the plan for a month. when you downgrade the plan they make it extremely difficult. the premium services are not really worth it and their business practices can be seen as fraudulent. if you want to build credit just get a secured card or loan from a bank. this is too much of a headache!!!

This app has been Very helpful, seemed kinda shady at first to I realized that I was really just paying attention couple monthly fees in exchange for credit score points...meh lol can hardly complain really since my score has went up almost a couple hundred points in the past year and a half lol guess it's not as shady as it seems lol 45 years old and just got my first credit card with a credit limit already on it, so excited but and responsible enough to not blow it is a plus I guess lol

I put thousands of dollars in a account just to not receive any form of line or able to use it. it says one thing and does the other often and uses paperwork to confuse the customer and then "loses" your info

such a huge waste of money and time. I started small then kept the small 10 and invested in the larger plan and at the end of the plan didn't get my money back I had gotten 25 people to get on board with kikoff singing it's praise and then to get ripped off-- that's the name it should be using RIPOFF!!!!

When I first began with Kickoff I was apprehensive but it was for the sole purpose of rebuilding my credit and raising my credit score. It's definitely working because my credit score has increased more than 100 points.

After opening an account in April I was hospitalized for a while. I got out and saw my credit score dropped by 220 just from missing only 1 payment. I emailed and tried to call because I can't get access to my account. They locked it, and now I'm being charged with no solution on being able to make the payments. I owe just 60, although I haven't even used the account since my accident. They keep asking me for the email, but I don't know. I gave them all of my info, SSI, name, dob, address, etc.

had the app for a week.... I gained 104 credit pts. they had the initial button to just press and they did the work with a simple question about information regarding things on my credit. I hit two buttons for them to set up the process on them providing the evidence that it belongs to me and just prove it... - one account dropped off my report qith a $0 balance completely and then ai somehow gained a 'higher credit limit' from a verzion line...in which I have absolutely 0 IDEA AT ALL ABUT ACCT.

I've dropped my review because yes extremely predatory. I put 200 down on and was never allowed to use it. they hid my deposits somehow to show the transaction was for 1 dollar instead of the 200. befor that happened I went ahead and up graded my plan to the 35 dollar a month. i paid it every month for 7 months sometimes twice and they would tell me I didn't pay. then I stopped it went back to the 10 plan and they canceled my account after I put my review on here. now it shows my info exposed

Kikoff has been tremendously helpful in building and maintaining my credit, even through an incredibly difficult time. They also removed my sensitive information from countless sites online too! Absolutely worth trying. And they work with you on payments when things are beyond tight.

I was really excited after seeing a couple of ads and video promotions about the app explaining kind of how it works. But upon downloading it, paying the money that it asks for us to pay up front. It didn't give us any sort of indication or explanation As far as how the app works, I thought it was alone of the money that they give to you up front and then you pay what you can pay monthly to pay off that balance. But unfortunately, that is not how this works the way they manipulated is appalling.

I really love this app. it is such a simple, painless way to boost your score up without having to do much of anything. It is only $5 a month, totally doable on any budget. And credit is such a vital aspect of the modern day world that we live in. It's to the point where now it is better to have excellent credit than to have actual money in the bank. Cuz money can depreciate, or be lost in multiple ways. But good credit is a lasting security. And Kickoff makes that a reality for only $5/mth...

I used Kikoff believing it would help build my credit, but it turned out to be a total nightmare. Their customer support is unresponsive and unhelpful when real issues arise. I paid off my balance in full and closed my account, yet they refuse to assist with correcting reporting issues that severely tanked my credit score right before I needed to apply for a loan. They take your money, but when you need support or empathy regarding unfair reporting, you get zero real help or delayed generic resp

this app is a scam it charges you $5 a month to do nothing you get nothing for it the trade lies both have been credit line with change to a trade line and it lowered your credit before I use this app my credit score was 705 after I use this app my credit is down to 510 do not use this app. I am going to report it to our state attorney general to see what can be done about this SCAM

my score went up 30 points just by paying my secure card off at the end of the month. the app offers to dispute charge-offs and if found to be legitimate offers to setup payment plans or one lump sum options with the creditors. its awesome if you have the money in your budget: DO IT

The service is good but the app is horrendous. It only works half of the time. You never know if the app is going to open when you try. If you want a mini game while repairing your credit you found the right app. Very frustrating

It's been super helpful with getting my credit back in track while I was in debt. I increased the payments to my credit cards, and the interest kept going higher while my credit score lowered. After kikoff, I was able to pay off my debts and increase my credit score at the same time.

This app has changed my life. I went through identity theft in 2016. of course, a lot of these options were not available, and starting from scratch was difficult. I struggled for years trying to manage different aspects of my credit. Since 2026, only 30 days, and my score went up +85 points!! they also will take care of your data when and if its exposed. This is something I value because they have your back and are more than just a trade line but a protection 🛡 shield.

HONESTLY, IT'S A GOOD APP AND I WOULD RATE IT HIGHER, BUT IT HAS SEVERAL FLAWS. ONE BEING THAT THEY DO NOT REPORT THE EARLY PAYMENTS OR THE PAYMENTS UNLESS IT'S THEN AT A SPECIFIC TIME OF THE MONTH AND WITHOUT A CREDIT CARD SUPPORTING THE PAYMENTS FROM THIS APP, IT DEFEATS A PURPOSE BECAUSE IT'S NOT GONNA INCREASE YOUR CREDIT BY ANYTHING HIGHER THAN A POINT OR 2 AND A POINT OF PAYING EARLY IS SO WHEN THE ROTATION COMES AROUND, YOU CAN ACTUALLY LIKE A GOOD PAYMENT HISTORY , BUT IT DOESN'T SHOW .

scam it's telling me that my credit score is 87 points lower than it is on my Capital One credit card Experian is telling me that it's it's 48 points higher than what you guys the same. this is just a scam to get your money because there is no refunds. horrible

this is an absolute amazing app. A revolving credit line is what ya need to increase your score! My score went up instantly and is growing every month. Every point matters when your looking for growth. Progress over perfection if you're anything like me! I highly recommend!!!

Been using since 2021, $5 a month to build my credit ok, cool. I login to cancel, with you cannot do without talking to someone, which is illegal in TN. I then saw on my charges an extra $60 a yr charge I never noticed and never agreed to. I calculated all charges and over $450, be cautious they apparently change things up and throw extra charges in

kikoff is worth it I promise, and I am not a bot. I am a legitimate happy customer that now a year plus a couple months later have went from a 530 credit score to a 600, and that is with no bill payments on record just small bills like phone, car payment. this kikoff has really helped me set up my journey with no backers.

well I tried to use this app but the links they sent to my email DID NOT WORK, CONNECTION REFUSED EVERY SINGLE TIME I TRIED IT! I called the number and they just trolled me for my ss bd address and full legal name before they could delete acct. I haven't provided any of that information so there's no possibile way they could "verify" any of itand they refuse to look it up with my username to find my acct. I can sign in to the app but it will only go to the verification page, won't let me access

I cant speak highly enough for Kikoff. I went from a low credit score no hope for my financial freedom to a new horizon. This app has totally changed my attitude with Credit. I feel way more responsible and am on the journey to home ownership. Thank you Kikoff! I highly recommend this for anyone who is new to Credit or need a restart.

helped raised my credit 150 points when I was trying to get an apartment and organized what I need to improve my credit score. I was able to add my phone bill and electricity bill to count on my credit score. Definitely a high recommendation for first time credit users and people trying to change to get their own apartment.

this is absolutely the most worst app I do not recommend it whatsoever these guys will take money from you every month and when you try to get your credit Builder loan that you paid they will ask you for so much information all the way into the ground to the point where they want to see your bills paid in full before sending you a check this is the most unprofessional business and I would not give them any money I have not built any credit for them whatsoever

chose the $5 plan and was very skeptical about the app to begin with. after that first initial payment, in less than a week, my credit score actually boosted up 102 points. I figured if I chose the $5 plan for a year id only lose out $5 a month if it didn't work but it actually did. I think it's worth it especially if your score is low like mine was.

One of the best financial apps I've tried in a good while. Very worth checking into even on a trial basis to get personalized help with building your credit scores, improving credit utilization and better development of your overall credit health, but there's so much more to this great little app. Give it a try, you'll be glad you did!

Either these negative comments come from people looking for a loan, bad with credit cards, or don't understand how credit utilization/percentage reports work. The app is BRILLIANT. It gives you a max balance (500-3,500), and the % that you owe is what you pay back monthly ($5-35) for 12 months, same as a credit card. You don't pay it back? Guess what? it's the same as not paying a credit card. Be smart, people.

I was under the impression I was paying and getting the money back to build credit. happened not to be the case. I just lost $300. $300 and didn't got nearly nothing in return. I could've just opened a credit card and actually used that money to buy myself things instead of getting nothing...

Having to pay someone $35 a month to monitor my credit score and it might get higher in 3 months. Forget it. Asked for my money back. Don't even know if I got reimbursed or not. All the apps and games so far haven't helped my situation what so ever. How do they get away with these things. Does Google monitor at all?

Easy peasy overall...I especially like the options to dispute things on my credit report. also, I got a little behind on my monthly payments, even though they are small, and they worked with me to get caught up as I currently stand... yeah!!!

STOP! DON'T DO IT! This app did nothing to improve my credit score, its a scam! They billed me $35 a month to help build my credit, they reported to the credit bureau a $3,500 credit line, and after a year, when I stopped making $35 a month payments on my fake $3500.00 credit limit, they reported I was missing payments on the debt and tanked my credit. This is a service, not a real debt. they could have just stopped the service, but they wanted that money, so they just ruined my credit. Scammers

I used a different app in the past. This was easier at $5 per month and cheaper to build credit. I didn't mind that the credit could only be used in their store because it keeps you from spending, thus adding to your credit. It did help me build credit over a years time. I dropped it to 3 stars because it is an absolute nightmare to get your money out for the loan part. The hoops you have to jump through to get your own money is insane. I won't use that part again, unfortunately.

It can help build your credit for sure however if you miss a payment they will report you late regardless of any circumstances, and that will bring your credit down. That has been my experience. Overall it's a good app. I had a prepaid debit card that I was using and sometimes they weren't able to charge it even though the money was there. So to no fault of my own the payment would be a day or so late and they always reported it like clockwork regardless if it's late or on time.

It worked great when I first tried it, but then they locked me out of my account. When I try to login with my phone number, the only option it gives me, it says it is registered to another user and to try again. I only have one number and it's on my account with them. Now they are reporting on my credit. An app that was supposed to help me repair my credit is actually making it worse. DON'T USE THIS APP IF YOU ACTUALLY HOPE TO RAISE YOUR CREDIT SCORE!!!

Raised my credit significantly, started 12 months ago with $2 credit builder and $10 monthly payment program which I can redeem after paid in full. Had no complaints whatsoever and in fact, left 5 star review. Im paid in full now, $10 for 12 months; however, apparently find I'm unknowingly enrolled in new program an cannot find account I paid in full, only list of payments everything changed. I didn't enter a new agreement. No late payments, sometimes early...but where did it go?

So I'm currently very overdue on my payments because every damn time I enter my cards YOU declined them all, not my bank, I know better, because I get notified when that happens. These are payment options I have used before and all of a sudden they don't work. That's not MY problem that is yours. The app, so you need to fix that or you can kindly cancel my membership and not negatively effect my credit score. Which you're doing right now with your glitch. I've been with you over a year!!!

A credit card that you can't use for anything but for paying the credit card fees? Wow. In a way, I admire the sheer audacity required to actually market something like this as a service. FYI, if you just get a credit card with a $750 limit, make a $5 purchase every month, and pay off the balance every month, then that will have the exact same effect on your credit score but you'll get to spend the $5 on yourself instead of paying this company to do what a credit card company will do for free.

This app is super trash the updated their policy December 2 which I didn't know about . I was aware that if I make all payments I would be reimbursed at the end of the term which is dec 17. But they give you the run around and. Lie they can update their policy at anytime and there's. Nothing you can do about it .... Also you have to watch how much their trying to draft from your account .... They take all your money at the end!

This was great for a few months, but then it refused to accept any of my payment methods, saying my bank wouldn't allow the transaction. It's set up as a direct deposit and after talking to my bank the issue is definitely on Kickoff's side. Unfortunately, kickoff doesn't return emails trying to resolve the situation. DON'T WASTE YOUR TIME & MONEY WITH THIS APP.

Tried working with this company and everything was going fine at the beginning they were taking out as an auto paid like we agreed they would take out $2 every month for solid payments and then all of a sudden they were saying that I wasn't paying even though it was auto paid and then I had checked my credit and it went down 89 points due to miss payments even though I was enrolled in auto payment I would not recommend this company it seems like you're paying them to get a negative credit report

I actually really liked this app until today. This company just dinged my credit with a "30 days past due" over $6 that they had the card information to take the money from, and the authorization to do so. 😡😡😡 So you can automatically collect the $10 credit builder payment, but you couldn't be bothered to take the $6 kikoff credit payment, and instead lowered my credit score. Moronic.

Don't be fooled by this app and their services. What they do is make up a loan amount (pretend) you pay them every month for a loan that doesn't exist. They report it to the credit bureaus which increases the score a couple of points. If you miss a payment through some unforseen circumstances they report it immediately like you're taking money from them. You score is lowered by 20 points. Don't see this as building credit. You better pay that loan off don't want to end up in court.

I am extremely pleased with this app. My credit score has increased by just over 60 points in just 5 months & all it costs me is $2 a month. I have it set to autopay so I don't even have to worry about it. My credit score is steadily rising & I don't even have to lift a finger. I just sit back & watch my score for up, up UP! Love it. I have actually recommended it it to a handful of friends & they've increased their own credit scores as well with the app.

What a joke. You pay $5 per month for well ever and get absolutely nothing for it. You get a pseudo credit limit at 0% interest etc but get to buy nothing. You just pay this company $5 per month for what they say is 12 months at a time and they report to your credit. The last time I checked when you get a line of credit you actually get to use the money. You pay blindly to this company so they make money and you hope that your score goes up. They have it made. You however don't. I avoid!

I tried to sign up but it said that they couldn't verify me with any public records. I only got as far as putting in my username and making up a password. How is that possible to be denied so quickly? At least let me put in information to deny. I tried again, same result. Then I tried off of the computer and on the phone with a different email thinking that something might fix the issue. This time I was able to put in my information but still with the same result.

I'm not gonna lie, I only tried it because I got paid too. But after reading over what they do for your credit and how I was hooked. These guys are geniuses and really do help your credit. And they make learning how it works so easy a child would get it. The app is simple to understand and very informative, more so than credit sesame or credit karma. And everything is always updated. Great app. My only thing is I wish that it wouldnt take so long to see how getting the account raises your score.

Horrible!!! I started the loan saving feature and when I didn't want to do it any longer kickoff would not release my money that I put into the savings back to me. Even though it states it will!! I tried a couple of my cards including the one I was depositing money with and they rejected it every time. Then when I contacted tech support it took a few days for them to contact me back only to tell me I was putting the incorrect numbers in. Which isn't true! This app is a scam and I don't recommend

I was really excited to open an account after seeing an ad and doing some research about it. But it says it can't verify my identity. I even tried with my maiden name and it still said the same thing. I can't find any info on how to fix this. I will update my review if this is ever fixed. But for now, I ended up opening an account with Grow Credit instead and didn't have any issues. Update* Kikoff emailed me back. Changed from 1 star to 2 stars. Will update again if/when the problem is fixed.

So, I hate to do this but I've tried everything else. I paid for their credit repair service, both the $2/mo and $10/mo one. The service lasts for a year, so that's $144 total. They told me my credit report would be updated within 6 weeks. That was in March. It's now August. I've been e-mailing customer support but they just keep saying they're waiting on an update. I reached out to them on July 5th. Still no resolution. So, I paid for a credit repair "loan" that doesn't update my credit. Beware

Easy to use, no surprise fees/charges/obligations. A *very* affordable way to actually increase your credit. I have both the Kikoff credit and loan and between the two I pay $12 a month and while I can't pinpoint how much Kikoff has helped (I have other factors increasing my credit score) I do know just with the simple fact that good payments on loans/credit are being reported that it is helping. I do recommend this app, in fact I implore you to use this app (along with others) to help you.

VERY misleading in the advertisement. You pay $5 a month for the membership which is autopaid. Period that's it. This BS about a credit line can NOT be done if at all unless you pay the membership which is auotrenewed annually unless you cancel. THAT'S how you build credit and the "loan" is for their store only and THAT is NOT $5 it's less then 10% of the total. People read the fine print and don't be fooled. Still could be worth it IF, and that's a BIG IF, they were clearer from the start 🤬

It's a scam! I was smart and used prepaid with no money in account! After paying the $5 they kept trying to charge differently several times. Says I have $750 credit limit. But says I have a balance of $55 when I haven't even used any of my available credit I don't know how to. No card to request only thing I can find is on their own store that has pointless junk.

I like the kickoff service and I'm pleased to have it. The app is glitchy and tends to go completely black at random. Also, it allows you to put in multiple payment options to make sure your payment is made but, it won't utilize the alternative payment method, instead it makes the payment late. Hopefully this is something that kickoff will incorporated into their system to keep building credit and not keep a toll bridge in your way

Messed up my DOB. I was so excited when I saw this app advertised on tiktok and other social media & I wanted to try it. It automatically pre-filled some info and my DOB was wrong, i went in to edit it and it looked fine, but when I hit enter it defaulted to the wrong DOB. I have tried to register and it won't let me because my cell phone# is attached to that wrong DOB. 😔 and I haven't found anywhere, where it gives you the option to contact support. Be careful with edits, they don't work

both my husband and I set up the membership at $2 per month and the loan at $10 per month. our goal is to move our scores to exceed 750 so that in 18 months we qualify for a excellent mortgage. This app is so damn easy to set-up and use, nothing confusing and you are not solicited to purchase other products. I give this App my recommendation to use and of course enjoy your improved scores!

This is not a $500 dollar credit limit to go spend on whatever. This is strictly to build your credit and it works great for that. You can only "purchase" subscriptions from their store. You're essentially paying a $2 monthly fee to build your credit as they report it to the credit bureaus as "on time" payments.

How awesome! for $2 a month they report to the credit bureaus that you have a credit card with a credit limit of $500. I have bad credit and after making an account with Kickoff 2 months ago my score has gone up 60 points! You can only spend the money on ebook items in their store but I'm not mad about it, if they actually gave out the money I probably would just drive myself further into debt and destroy my credit further. You have to make sure to make the payments but anyone can afford $2!

seems to be very easy to set up and use. showed up on credit report within a month . Personally confused me because got alert saying my score increased by 651 points to 655. shows this in the app credit report but credit reporting agency site still says not enough history or whatever to generate fico score. Nice to see a score number somewhere anyway. For what it cost it can't hurt only help. Definitely cheap enough to see what happens in 12 months.

Fake credit building app. My credit has increased, but it had absolutely nothing to do with kikoff. But they were definitely quick to take credit for the increase even though you can clearly see on my report that they affect my score not at all. Had it for 3 months now, not a single upward point because of them. Save your $2 buy a half a gallon of gas

People, kikoff is strictly used to make bad credit scores better. You pay $2 a month to get a credit line with a $500 credit limit. It gives you a credit utilization of 4%. Anyone giving negative review doesn't understand how credit works. This place is a God send, I wish more places were like kikoff. Only negative is they don't report to transunion.

First of all they trick you into opening a line of credit by telling you it's an actual line of credit when all you can purchase is nonsense from their online store. Even if you don't make a purchase you're charged and they try to bill you monthly for a very low amount like $2. Now they're telling me my card has insufficient funds but when I open my bank account my funds are absolutely there. I just want to pay off my account.

For now I rate it 2 stars only because it possibly could help raise my credit score. After looking into it more, it seems the only place you can use the credit they offer you is to purchase something on their store. They already got me for 2.00, just by adding a payment method. My billing date was the next month, but as soon as i put in the payment method, not to pay right then, just to add the payment method, well the charged my card for the first payment due a month away. Think it's a fraud

This is no joke! SIGN UP today. My score went up 66 points in 6 months! I haven't changed anything or paid anything off, I only opened an account with Kickoff and I promise you, I only paid $4 a month. No hidden fees or cost, just what you purchase from their store for $8 or $10 and pay off with $2 or $4 on six monthly payments! That's it! Amazing!

SCAM. after you pay a dollar, they will randomly try to charge your card for $39.90. Also, not just once they will do it until they cannot anymore. No fine print or anything saying they would charge me more money after the $1 for credit score. DO NOT USE THIS WEBSITE. Also, I am one of many with this exact same complaint!!!!

I've had an account with kikoff going on 3 months now and my credit score has gone up significantly. I began with a bad credit score(under 500) and I am now quickly approaching a fair credit score. I would definitely recommend to anyone looking for an extra boost without the risks associated with a secured credit card and the stress that comes with the territory.

In the 6 months that I've been using Kikoff my credit score went up around 100 points. I've also been making ontime payments for all acounts, etc. First month it went up 33 points. The "book" is really only a formality so they can charge your account and submit to creditors. Excelent idea and its legit. Once my purchase it paid off I'll be getting alother. Little tip... Get the longer payment option during your first purchase. More for your dollar. Goes up a little bit for the next one.

I read through the reviews and instantly knew this was amazing. Seriously, lol the negative reviews are full of people who don't like this because they aren't being handed a $500 credit limit and the option to buy things they want with it but yet they're looking for a way to build their credit?!?! ((HELLO)) this is the PERFECT way! You get a credit limit that you can't buy things you like with so you won't max out or run up your credit! Pay $2/month for the benefit of raising your credit score.

Literally does all the work for you! Not complicated at all, you don't have to do any thinking, they have it set up to where you put in your info then just sit back and watch your credit score go up every month! You don't even have to leave the app to check your credit score either, they have a tab that shows you your current score & they do the math to tell you how many points it's gone up since joining/starting! Such a beautiful invention.

This app is great for those trying to rebuild or establish a credit history. The sign-up process was very easy and quick, they approved me right away. After approval, my available credit limit went up by $500. The result of this increase directly improved my credit score because of two reasons: it increased my credit limit while also decreasing my credit utilization (one of the major factors used to determine your credit score). I'd recommend to anyone. Easy way to improve finances immediately!

No BS ... This app helped me raise my score over 100+ points. You apply for a $12 loan, the $12 goes into a virtual wallet, set your calendar to remind you on the same day every month to log in and pay $1 from that virtual wallet. You click "pay", and that's it. It costs us nothing. Kikoff reports to each credit bureau every month. If your credit score sucks, you can raise it with this app.

My credit score has increased by 19 points since I joined Kikoff 3 months ago. Prior to joining this service, I had very limited credit history and was unable to get/use any type of credit card or line of credit. After joining and making 2 payments of just $2, I've been able to get lines of credit with 3 of my bank accounts, although small, they increase with each on-time payment. you just can't beat bettering your credit for $2 a month! definitely recommend this to anyone wanting better credit

DO NOT DOWNLOAD THIS APP!!! I downloaded this app, under the impression I could receive a cash advance, based on an advertisement. The app is not for cash advances. They automatically charged me $24 to use the app, I don't want to pay them any money. They gave me a $500 credit line to purchase their products. I opened the account to find out they only sell books, I have zero interest in reading. I want to close the app, and not pay them $24 for a download.

so far the app is pretty legit it has helped my credit quite a bit I've only been making my payment (which it's only $2 a month) for 3 months now and my credit score is already risen by 60 points. the only negative is, for some reason, after making two auto payments from my primary bank account (which has the funds available) the card all of a sudden declined and I had to switch payment options. I would definitely recommend this app to anyone trying to raise their credit.

I was skeptical, but this app alone raised my credit scores between fifty and seventy points in just a couple of months without risking a new credit inquiry or a rejected application. Kickoff, in fact, was about the best thing I could have done in so little time I can think of! Thank you so much Kikoff for doing exactly what you say & truly taking a chance (a small one) on the the little guys that sometimes are just needing a shred of a chance to turn things around & get better! UPDATE: STILL 💖

Hey guys, I can't finish the sign-up process! Your app doesn't send me (or I simply don't receive) the verification code for my cellular number - this halts the sign-up process and I cannot complete my application. If you guys could fix this issue or provide a work-around that would be great! EDIT: I was finally able to sign-ups and purchase a package. I will report back later(Rating has been adjusted to "⭐⭐⭐")

I don't think people understand what this app is intended for... I've seen reviews of people complaining about the only items you can get are ebooks... This app is for no more than you increase your credit history... You're not actually expected to read or watch anything you buy lol... I've been using them for 2 years now and my score has went from 468 to 681... Just keep buying stuff and never use more than 20% of your credit at a time while you're paying your bill.

Great concept, terrible app. Freezes my phone 100% any time I try to open it. Can't leave the app, lock/unlock, or even restart my phone if I open this app, causes overheating, and doesn't unfreeze until the phone shuts itself off and forces a restart. Will stick to the website. The app isn't optimized to be phone friendly, only causing harm to mine. I have a higher end gaming phone, it should not be freezing over such a basic app.

EVERY TIME I open the app, my phone freezes, fritzes out, and winds up restarting itself. Last week oflr the week before, I could open it 5x daily with no issues. The first time it did this over the weekend, I went through and updated my phone AND made sure the app was up to date. Obviously that wasn't the issue. I can open ANYTHING else on my phone and I don't have any issues.

Just started Kikoff and so far I like it. True to their word and my credit score has raised. I will update this review in a few months to show my progress. I do wish they would have more options in the buying area. It would be nice to actually get to purchase something within that small price range; such as a visa gift card or a store gift card of some sort. Just an idea for the future...

App is freezing my phone...can't login at all. I've updated, cleared cache and storage, uninstalled/reinstalled....nothing. Also, it won't let you pay a monthly installment in advance, only in full or when they send the statement. So, now I get my statement saying it's due and.....I CAN'T LOGIN. This app is trash and customer service is terrible. Can't call anyone by phone and they never respond to emails.

A scam. The app was showing my credit was going up constantly, only to find out when I was dealing with Capital One through my credit card process, my credit hadn't actually gone up at all! I asked to cancel my account, after emailing back and forth with Pat, he canceled my account; only to triple charge my bank account the payment the Next day!! Don't do this!!!

Amazing! I recommend to everyone I know. I've tried dozens of credit building apps sites etc. Kikoff by far blows the others out of the water. So easy to use And everything is explained very bluntly nothing confusing and no hidden fees how can you go wrong?! I literally set up my account and less than 1 week later my score went up 12 points. If you are working on your credit score you'd be a fool not to download this app!!

Downloaded app. It works by giving you a $500 line of credit for their store that sells nothing tangible. It's all e-books, when you buy something you slowly pay it off over 5 months and they report the payments to two of the credit bureaus. Because everything in the store is dirt cheap, it games the Fico score into believing your credit utilization is small. It only shows you the Vantage score the CreditKarma shows for free and almost no creditors use. Better to save 200 for a secured card

I've only just begun to use this app/service, but it seems like a great way to improve your FICO score. By issuing a $500 line of credit of which you only use $20, it give you a 4% utilization of the credit. Lots of eBooks and video courses to choose from and setting up auto payments gor the $2 per month payments I'm surely going to make all 10 on time. Free access to your current FICO score and alerts for items that need to be taken care of. The app itself is a bit slow.

I saw that KikOff had a lot of users with a lot of great feedback. So I signed up. After signing up and giving them my email and creating a password, that was it. The next page asked you for your Name, Middle name, and Last name. I can't type no more then 2 letters in each box. Something is wrong with this apps sign up process. Because of that, they are getting a 1 star review. If it gets fixed and I am actually able to sign up and use KikOff, I would be inclined to update my review.

Download this app NOW! FFR TL;DR: if you don't utilize this tool, you're a dumbass. If you're in the play store looking credit apps, then this is the one you're searching for! I have been searching for years for something like this because I was stuck somewhere in the middle. I couldn't build credit due to the lack of. It's a catch 22. This app extends you credit PERIOD. It's not a line of credit to go shop at the mall with, but literally purchasing payment history via an ebook or a course.

I think $2/month is a small price to pay to be able to build positive credit history & boost your credit score. I like that you can keep extending the amount of time you'd like to have your "credit line" for, since length of credit history is a factor in your credit score. My credit score has gone up 54 points so far in 5 months! My only small complaint is that they currently only report to Experian and Equifax but not to Transunion.

I just signed up the beginning of June. and Just received a notification from nerd wallet, that my score went up 15 pt. It's an awesome concept on how to raise your credit score, at an insanely low monthly cost. I started with just 3 downloaded products, to see how it goes. my monthly fee was $3.00. That can vary on what options you choose from. Or how quickly you want to build your credit. Any option, or options, are crazy affordable. . Luv'n this !!

AWESOME APP! It's great for building credit but only thing is, mine went down 100+ points the first month probably due to only utilizing 2% of the $500 I was approved for. Money lent is used in their store that consists of 28 items total and nothing worth over $20. Applying for a smaller amount is NOT offered. How does this help? Guess I'll see when I make my first payment.

Program gives you $500 credit limit but your options are to purchase self-help books and reference material from $5-20 each with a repayment of $2 per month. The materials you have to purchase are random and hardly useful at all. It's a decent idea, but the options to purchase are things like YouTube Ad service information, Building a side hustle, Managing finances, etc. These are presented as videos and/or text but don't seem like they'd be useful for the general public.