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 my bills but seeing your credit report broke down into different categories helps you to understand better how a lender may look at your credit history or worthiness so that they know whether to lend you money or not. It also helps to dispute items that are not supposed to be on there. Being a Kikoff member has helped me a lot! Thanks Kikoff!