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
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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.
Written by the company
No credit check. No hidden fees.
United States
Replied to 64% of negative reviews
Typically replies within 1 week
Good customer service and l like that it boost my credit a little bit of me having bad credit hopefully to get more boost in the future to help me fix my bad credit
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.
I love it help my credit build yayay thanks much
Reply from Kikoff
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 .
Reply from Kikoff
I don't see any improvement in credit score
Reply from Kikoff
Reply from Kikoff
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.
Reply from Kikoff
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 !
Reply from Kikoff
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
Reply from 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
Reply from Kikoff
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
Reply from Kikoff
Reply from Kikoff
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
Reply from Kikoff
Reply from Kikoff
Thanks to keep off I’ll be able to increase my credit and a little bit little bring it to a positive credit card
Reply from Kikoff
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.
Reply from Kikoff
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