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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. They appreciate the app's user-friendly design and the ease with which they can navigate its features. Consumers highlight the educational aspect, noting that the platform simplifies understanding credit reports and offers clear explanations of credit-building strategies. People feel empowered by the tools and resources provided, which enable them to take control of their credit and financial well-being. Consumers report a positive impact on their credit scores, often within a relatively short period. Many have successfully disputed inaccuracies on their credit reports and removed their personal information from potentially harmful sites. The value for money is another aspect that customers appreciate, with many finding the services affordable and effective. However, there are mixed opinions regarding payment processes, with some consumers expressing difficulties in managing their payment methods.

Based on these reviews

Rated 5 out of 5 stars

I've been using Kikoff ultimate for 2 months now and my credit score is gone up 165 points. Yep it's easy to understand simple to use and we'll work the money I'm slowly disputing errors on all my cre... See more

Company replied

Rated 5 out of 5 stars

My name is william white from ladson south carolina and recently my clearance was revoked for unpaid debt. my credit shot up 100 points. my total cost was $40 a month my credit line was $3,500, i also... See more

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Rated 5 out of 5 stars

I never thought an app would literally help save my life. Kickoff did! I've also been very skeptical in the past about financial help apps. I did not believe any of them truly could make a drastic cha... See more

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Rated 5 out of 5 stars

Kickoff has worked wonders for me thusfar. Easy payments, they report to ALL credit Bureaus, and my credit has risen past the national average. Best of all, if you're a couple days late, no worries,... See more

Company replied

Rated 5 out of 5 stars

I signed and check other apps like credit karma, credit ninja, and nerd wallet, this one is best. Because it doesn’t sell ur info to loans, easy to delete account if not satisfied, no ads, credit incr... See more

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Rated 5 out of 5 stars

My credit score has increased over 50pt using Kickoff. I have taken advantage of their credit building opportunities to include a secure credit card. This cost me best than $50 a month. I think that i... See more

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Rated 5 out of 5 stars

From the moment you sign in, things just start happening. Algorithms are set to walk you through different processes that deals with credit issues right then and there. No new subscription requirement... See more

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Rated 5 out of 5 stars

To Anyone ? If your busy with that unforgiving schedule ,then you know there's no time during business hours to handle what's necessary to improve your score / keep track of bureau's and finances. Let... See more

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Rated 5 out of 5 stars

Kikoff has truly helped me get my credit up for years now! With all the highs and lows the credit score goes through, Kikoff has also showed me why my score is fluctuating and this has hel... See more

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Rated 5 out of 5 stars

I started using Kikoff when I was trying to rebuild my credit, and honestly, it’s been one of the easiest and most stress-free tools I’ve tried. It reports every month like clockwork, and I’ve seen my... See more

Company replied

Rated 5 out of 5 stars

The Kickoff app,is an educational journey to press forward after a tarnished past. Whether it is self sabotaged or your credit has been hacked, it's difficult to hide yours or someone else's mistakes... See more

Company replied

Rated 5 out of 5 stars

I've just started with kikoff, and am liking the resources, features and benefits that is offered. I will give another review later on from my current use of this app

Company replied

Rated 3 out of 5 stars

I just wanna say you definitely have to pay more money to get more results from this. You see the commercial saying credit score jump 50 points 48 points and 30 days. That is a complete fabrication. D... See more

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Rated 5 out of 5 stars

Kick off is amazing.They explained my credit history and how to make it better to where even I could understand it.I always thought that technical jargon was too much.But they made it simple and easy... See more

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Rated 5 out of 5 stars

I’ve been terrified to tackle my low credit scores due to debts. Kickoff has really helped me overcome this fear by being an ally for me. The “Dispute” feature brought surprising results for debts tha... See more

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Rated 5 out of 5 stars

I gave five stars because kick off showed me how to establish my credit. Show me how important it is to have good credit instead of just having big money. It showed me how to management make better de... See more

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Rated 5 out of 5 stars

I just wish I had started kickoff a,few years ago they are a great financial source for building my credit up my score increased by 108 points and it keeps going up. . I opened a credit building accou... See more

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Rated 5 out of 5 stars

The tools and products that Kikoff provides has helped my credit score to jump over 150 points in 7 months. I was able to get an item removed as well as get some of my information removed off the dar... See more

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Rated 5 out of 5 stars

Kikoff Has Greatly Improved My Credit Since I Joined. Thanks To Kikoff I Have Most Definitely Seen An Exceptional And Astounding Growth In My Over All Credit Score Through All Three Bureaus. They're S... See more

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Rated 3 out of 5 stars

The only things I have not liked so far are the fact that I've tried to update my address about 17 times. I have provided the requested documents in the requested format each time and it still say... See more

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Rated 5 out of 5 stars

I have been using Kikoff for almost a year now. It has helped me to understand and breakdown my credit report so that I can see what lenders see when they look at my credit report. I have always paid... See more

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Rated 5 out of 5 stars

When you are at the beginning of your credit journey, the advice you should follow is simple and straight forward. Safe places to understand what you need to grow, that have been loyal teachers are lo... See more

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Rated 5 out of 5 stars

AMAZING all around the board! From customer Service explaining my every step in simple terms. Heck, idk anything about credit and Kikoff has educated me thoroughly. Plus, helping me with disputes. Th... See more

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Rated 5 out of 5 stars

This is a wonderful app. It gives you the opportunity to not only build your credit but also this app helps to train your brain to get into the practice of paying your debts on time by putting you int... See more

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Rated 5 out of 5 stars

Thanks Kikoff for making it happen for thousands of people giving us a great KICK in our credit score ; helping people from buy homes, get credit cards, vehicles, and etc.. I've received two extra cr... See more

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Rated 3 out of 5 stars

I was not informed that If we made some changes/upgrades to our account that we will received notifications that our score will significantly dropped .

Company replied

Rated 5 out of 5 stars

I have struggled with ways to enhance my score for years, I’ve tried other apps.. but KICKOFF works immediately!!! For only $20 a month to start, you can stay there or upgrade… And I saw results in d... See more

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Rated 5 out of 5 stars

I saw results after the first report to the credit bureaus. My score increased by 25-33 points between the three. I verified on various credit tracking platforms like Experian, Credit Karma, Creditwis... See more

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Rated 5 out of 5 stars

I have no complaints. The the the The young man who took my call, Eli, was so helpful and had a lovely disposition. Speaking with him briefly accomplished what I had been attempting to solve by my... See more

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Rated 5 out of 5 stars

I luv kikoff, it has really helped me out rebuilding my credit up, next month wil be my year with them, I gained 196 points, also helped me, to get on my feet to take care of a collection working on m... See more

Company replied

Rated 3 out of 5 stars

I tried to change my payment type several times had trouble and still haven't been able to aalsoi really don't understand how to get money . Iam thinking about just closing the account what good is s... See more

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Rated 5 out of 5 stars

I pay for the $35 a month plan, which includes public record removal. All 579 exposed items were removed over time. Great! Still get some spammy texts and calls though. Real time credit report... See more

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Rated 5 out of 5 stars

I was first introduce to an advertisement on Instagram. I like what I was seeing and the sister appeared very sincere and convincing. I applied with the minimum $5.00 to see my credit score go up. Tod... See more

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Rated 5 out of 5 stars

I signed up with Kikoff almost a year ago. I upgraded to the Ultimate plan, because, with it, they delete all your private info off the internet. They scan the entire internet regularly, and sho... See more

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Rated 5 out of 5 stars

Kikoff has helped me accomplish a lot of short term goals with the credit builder program. I’ve referred friends and family and they love what you offer as well! Thanks!

Company replied

Rated 5 out of 5 stars

Awsome app helps me understand truly how I'm doing with my credit and helps direct you to the right area to start to grow in a positive way. Just remember credit drops before it grow in some cases lik... See more

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Rated 5 out of 5 stars

Just sign up and forget about it and your score will increase over time. Not real sure how I can utilize the monies I have paid however !

Company replied

Rated 5 out of 5 stars

Kikoff has many options to fit any budget. The app has all sorts of tools and insights for restoring credit. I've seen amazing results faster than I imagined. The only problem I had was difficulty lin... See more

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Rated 5 out of 5 stars

I was skeptical at first. But I've seen changes within a months time. I am moving in October and I went from zero credit to just enough to not have to pay a deposit on my electric bill and wifi. I was... See more

Company replied

Rated 5 out of 5 stars

Kikoff is honestly the best service 🙌... It's really turned my credit scores around. And I appreciate that it monitors my budget. I understand where my money goes as I spend it.

Company replied

Rated 5 out of 5 stars

This app would help you to built your credit on simple steps every month. 117 positive point on mi credit score in less than 8 months. Thanks you Kikoff

Company replied

Rated 5 out of 5 stars

Thanks to keep off I’ll be able to increase my credit and a little bit little bring it to a positive credit card

Company replied

Rated 5 out of 5 stars

I only have to pay $5.00 a month. And I was able to get a credit card with Capital One because of Kik Off, since my credit score went up. I will definitely refer my family and friends to KikOff.

Company replied

Rated 3 out of 5 stars

I have been having issues. Yes the account worked and no effects occured immediately. Paired with other credit building and paying debt is the solution. I am still having issues and obtaining fees as... See more

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Company details

  1. Credit Reporting Agency
  2. Credit Counseling Service

Written by the company

Kikoff is a personal finance platform that expands access to credit and financial services, helping people build credit quickly and work toward long-term financial health. Founded by a team with personal experience navigating the challenges of credit access, Kikoff is committed to creating fair, effective tools that support real financial progress. Designed to rethink the traditional hurdles of credit building, Kikoff opens a path to get started in minutes - with no credit check. Headquartered in San Francisco, Kikoff is a licensed lender and uses bank-level encryption to protect customer data. Learn more at Kikoff.com or by downloading the Kikoff app.

#1 Credit Building App with 4.9 star rating on 75k+ reviews. Sign up in just minutes!

Written by the company

Improve your credit utilization, payment history, and account age with Kikoff.
Credit score under 600? Kikoff users see an avg increase of 58 pts. Individual results vary.

Give your credit score a boost with Kikoff

No credit check. No hidden fees.

No credit check. No hidden fees.
Start building credit today. Zero Fees. Zero Interest. Zero Catch. Really.

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 64% of negative reviews

Typically replies within 1 week


Rated 1 out of 5 stars

Reported as a Loan I Never Received — Unfair Practice

Don’t use a service if you don’t plan to repay the loan. It’s unfair for a company to report to the credit bureaus as if they lent you $800 when they never actually gave you the money. Then, they claim you didn’t pay them back, making it look on your credit report like you defaulted on a real loan.

October 17, 2025
Unprompted review
Rated 5 out of 5 stars

I love it help my credit build yayay…

I love it help my credit build yayay thanks much

October 14, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!

Rated 3 out of 5 stars

I was not informed that If we made some…

I was not informed that If we made some changes/upgrades to our account that we will received notifications that our score will significantly dropped .

October 14, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you for taking the time to share your feedback. We understand the importance of good credit standing. We want to emphasize that Kikoff is designed to assist in building your credit over time. While opening a new credit line may initially result in a temporary drop in your score, consistent monthly on-time payments will contribute positively to your payment history. Kikoff is specifically tailored to facilitate the easiest and most cost-effective way to build your credit. For further support, you may contact us directly at 1 (844) 741-9282! Our hours of operation are 4am-7pm PST, 7 days a week.

Rated 2 out of 5 stars

I don't see any improvement in credit…

I don't see any improvement in credit score

October 13, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

We're sorry to hear about your experience, but we'd love to clear things up! Please note that your credit ratings are based on multiple factors including payment history, utilization, collections, hard inquiry and more. For further support, you may contact us directly at 1 (844) 741-9282! Our hours of operation are 4am-7pm PST, 7 days a week.

Rated 5 out of 5 stars

Great service helping me a lot

Great service helping me a lot

September 4, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!

Rated 2 out of 5 stars

Not Conscious for Customer

They make it so difficult to use. The fact I need to screenshots of my bank statements or bills to me is going too far. You go through many verification process just to have to send more personal information. Cant set your autopay because they just don't have clear method. Just one and it involves more than the normal verify. Its just crazy….and im regretting even using the service to be honest. I guess I'll just stick with Self used it for 5 years and their actually conscious, helpful and don't send you to a bunch of red tape to pay 10 dollars a month. Crazy.

October 10, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

We are always thrilled to receive feedback from our users and implement enhancements to their overall experience. At Kikoff, we take account security extremely seriously and have multiple measures in place to ensure your information remains safe and secure. For further support, you may contact us directly at 1 (844) 741-9282! Our hours of operation are 4am-7pm PST, 7 days a week.

Rated 5 out of 5 stars

Very Simple

Just sign up and forget about it and your score will increase over time. Not real sure how I can utilize the monies I have paid however !

October 7, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!

Rated 5 out of 5 stars

Great service

September 15, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you for your kind words! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!

Rated 5 out of 5 stars

Highly recommend Kikoff …

I've been using Kikoff ultimate for 2 months now and my credit score is gone up 165 points. Yep it's easy to understand simple to use and we'll work the money I'm slowly disputing errors on all my credit reports my goal is a 750 credit score which seems like I should achieve that by the end of the year. If you're struggling with your credit I highly recommend this app

October 6, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!

Rated 1 out of 5 stars

: Beware of Kikoff - A Credit Score Nightmare

RIP OFF Review: Beware of Kikoff - A Credit Score Nightmare
I am writing this review to strongly warn anyone considering using Kikoff as a tool to build or repair their credit. My experience, and the experiences of many others I've seen, indicates that their service is not only ineffective but can be actively detrimental to your financial health, leading to negative marks and a damaged credit score.
The fundamental promise of Kikoff is to help users establish a positive credit history through a small "credit builder" loan or line of credit. However, the reality of how they operate seems to be a nightmare of poor communication, inaccurate reporting, and predatory practices.
The Problem: Negative Marks and Reporting Errors ht

October 6, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

We’re sorry to hear about your experience, but we’re here to help! Please call us at 1 (844) 741-9282 or visit http://kikoff.com/link/get-help so we can try to work this out. We want to emphasize that Kikoff is specifically tailored to facilitate the easiest and most cost-effective way to build your credit.

Rated 5 out of 5 stars

Super professional

Super professional

October 5, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you so much for your positive review! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!

Rated 5 out of 5 stars

It’s a awesome app to grow credit

It’s a awesome app to grow credit

October 3, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!

Rated 1 out of 5 stars

These guys only job is to build your…

These guys only job is to build your credit you pay them to do this and if you can't pay and try and cancel they will put derogatory remarks on your credit report

August 1, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you for taking the time to share your feedback and we'd love to help clarify. Please note that part of building credit is showcasing a person's payment history. Late payments must be reported to the credit bureaus, which can hurt your credit. Consistent, on-time payments are the best way to ensure positive reporting. Additionally, closing your account may impact your credit score. This is because your credit score takes into account your total available credit and your utilization. Closing a credit line can also lower the average age of accounts on your report. The longer you have accounts open, the better. Hope this helps!

Rated 5 out of 5 stars

I Love it!

I Love it, I’ve seen the results right away!

August 1, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you for your kind words! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!

Rated 5 out of 5 stars

Thanks to keep off I’ll be able to…

Thanks to keep off I’ll be able to increase my credit and a little bit little bring it to a positive credit card

September 28, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!

Rated 5 out of 5 stars

I was skeptical at first

I was skeptical at first. But I've seen changes within a months time. I am moving in October and I went from zero credit to just enough to not have to pay a deposit on my electric bill and wifi. I was in real tears. So happy for this help.

August 30, 2025
Unprompted review
Kikoff logo

Reply from Kikoff

Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!

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