BEWARE OF THIS FRUSTRATION BETTER GOING TO A CREDIT UNION
: Beware of Kikoff - A Credit Score Nightmare
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
Despite making on-time payments (sometimes even early payments) and meticulously following their instructions, many users, myself included, have found negative marks appearing on their credit reports from Kikoff. These marks, often reported as late or missed payments, are frequently incorrect and directly contradict the user's payment history.
• Inaccurate Reporting: The most egregious issue is their inability or unwillingness to accurately report payment history to the credit bureaus. A single incorrect late
October 6, 2025
Unprompted review