Kikoff – Build Credit Quickly Customer Service

Kikoff – Build Credit Quickly Positive Reviews

Credit score increased 102 points in 8 monthsI am seeing a lot of negative reviews, but I wanted to come here and share that my personal experience has been good. I am on the $20/month plan and in 8 months of on time payments, my score has increased 102 points. I’m pretty satisfied with that! As far as I’m understanding, for the plan I’m on, it’s as if they opened up a credit line for me for $2,500 but I have only “utilized” $220 of that & I’m paying down that $220 for 12 months with $20 monthly payments. Then Kikoff reports it to the credit bureaus as positive payment history on a credit line and it also shows up as low credit utilization on my credit report because I’m supposedly only using $220 out of my $2,500 limit. I don’t believe I will get back the money I’ve been paying monthly, I’m essentially paying them $20/month just to boost my score but it’s been worth it to me. I’m almost done with my initial 12 month plan, so taking note of the negative reviews, I’ll make sure to turn off autopay so I’m not automatically re-enrolled because I think I want to downgrade to the $5/month plan for maintenance because I don’t currently have any open credit cards right now (just trying to pay off old closed accounts😅). So basically, as far as I can tell, as long as you make your payment on time, you won’t have any problems with Kikoff & it will do what it advertises and increase your score safely without the risk of running up an actual credit line with a high interest rate and falling behind on monthly payments..Cmcneal123Version: 1.50.580

Best app ever! LIFE CHANGING! How many apps can do that?I went from bad to good credit in just a few months time. I jumped like 49 points the first month and then upgraded it from the five dollar plan to the $20 plan. Did I mention that they also opened like a $120 line of credit for 10 bucks a month and when I made the last $10 payment they actually gave me back the $120! I was shocked and started it again to save money while establishing payment history! I went from getting a secured credit card at the beginning with my poor credit to getting a $2000 credit card approved without a deposit! With that in good standing I got more offers sent to me and was approved for another $4000 credit line not to mention I could now even buy things online and use Buy Now, Pay Later without even using any of my credit cards! Like it has opened so many doors and possibilities! Not many apps online can literally change your standard of living in such a short amount of time! If you haven’t started using Kikoff then sign up already and I promise it will be one of the best decisions in your life if used correctly..FoolubuglyVersion: 1.120.1716

It CAN BE YOUR SAVING GRACE,& WORSE NIGHTMAREThis app says it’s not contact you can stop any time.. I sent email 4 months ago. Explaining I was mocked out my home I’m in domestic violence that I would not be able to continue in this was in beginning of the start. Thinking the email I replied to would be enough I thought no more I was overhauled. It gets only worse I receive an diagnosis heart problems and tumors And here we go Nick off as innocent as there wanting you to believe they will be your saving Grace you will be entered into a contract that it will conveniently not have the email you sent to cancel. They will start applying late charges to your already credit. You are already having problems with they will further ruin your credit. that’s what they’ve done a drop my score from 680 down to 5:45 and I’m not happy because I explained that was in hardship and to cancel me. I asked him not to charge me going forward. I told him everything and this is what they do and they’re still contacting me so all I’ve worked for all I did now all that they’ve messed up. I’m not gonna be able to get a car because I can’t now not with a score like that so they didn’t benefit me at all and I’m in the street. I’m telling you sometimes people you just simply need to be kind and fair and stop and not mess up peoples credit that’s their whole little, if you will scare tactic, I’ll tell you what freeze they do and then go in there and dispute it. They’ll fall off because they can’t do anything freeze it first then go in there and challenge it..Nothing But ReddVersion: 1.79.982

So far it has done nothing for meI got on this app after reading TONS of reviews saying how they got a better score very quickly (within a few weeks to a few months) and the fact that the platform says “build credit QUICKLY”. Have been on this for around 2 months, got the middle plan. My score is exactly the same so far, not even 5 pts higher. So far I see no benefit of paying for this, and I am unsure how others are seeing so many quick and great results. Also…the app has a lot of things around and it’s not straightforward about what needs to be done. My first month I went there to pay, only to get a notification a bit later saying I was late and I had to pay if I didn’t want the negative mark on my report. I contacted them and turned out I paid one part but not the other, because there’s a see of different things in the middle, you have to scroll all the way down to see it. Why is this not super obvious on the main screen? People on this app are paying to get better credit, yet you don’t put the option to pay visible so we get late and then get the opposite result. Lastly why such negative language? Just today I got a push notification that said in big bold letters “payment past due” and then in smaller letters that my payment is due tomorrow. So not a payment past due but instead an upcoming payment?.Mariv2568Version: 1.131.2086

GAME CHANGER!!I honestly NEVER write reviews, but I felt compelled to do so after reading through some of these reviews. So disappointing how people are completely missing the whole point, and value of kick off offers. People are complaining about what e-books are available, their pricing, and not being able to spend the line of credit anywhere else, but the idea of this product is to give you a a unsecured, revolving line of credit of $500 reporting to the credit bureaus every month, with NO credit check, and without having to pay anything other than two dollars a month!! no interest charges, finance charges, NADA!! No, it’s not a traditional credit card, you cannot go shopping with it, it is solely for CREDIT BUILDING PURPOSES!! When I opened my account, I never even downloaded the e-book I bought. that is just something you purchase for very little so that some useage is reported to the boroughs. This service, in my opinion is worth a $20 fee even without getting a book! This really is invaluable to anybody starting out on their credit journey and can’t afford, or doesn’t want to commit to a secured card & the MINIMUM $200 required deposit, and often times people with no credit may not be approved for even a secured card at first. The only alternative used to be subprime cards with astronomical fees, (often adding up to $200 before even using the card) annual fees, and ridiculous interest rates. You don’t have to worry about any of that with kick off, it really is a absolute game changer for anyone building or rebuilding. Get this account, you’ll start to build positive payment history and have great utilization% reporting, and Watch your credit score grow over the following weeks! Once your credit improves you’ll be approved for the cards you wouldn’t qualify for before😉 kickoff is absolutely amazing! thank you for all you guys do, it is soo appreciated! 🥰.AmeliasmommyyVersion: 1.2.35

Simply Amazing!After years of destructing my credit while being in active addiction, I didn’t know how I was going to ever get ahead. My credit was something that weighed very heavy on my mind since getting clean. I became a single mother and Aleta be honest I don’t have the extra funds to pay off the reckless amounts I racked up during those years. My credit was sitting stagnant and I knew credit card companies would never take the chance on me. Even though I was much more responsible now, they don’t go off of your word with bad credit. I had nothing to lose at this point so I signed up with Kikoff. They stuck to their word, my credit score jumped +97 points in 2 months. Although my Transunion score isn’t as high as my Equifax it’s still rising as we speak. I went from having a 526 with both bureaus to now having a 576- Transunion and 641- Equifax. I’m pretty sure my lower score is like that because all information isn’t reported to them yet. Anyway, I definitely recommend using Kikoff and I’m beyond happy I took a leap of faith..Cannon-KVersion: 1.15.52

Don’t believe the haters (they don’t understand what Kikoff does)Without Kikoff I would still be takin the bus to work (instead I got I approved for a new whip skrrrt skrt). This app is GENIUS. Its for literally one thing - Building credit. All the haters on here clearly don’t understand what Kikoff does (hmmm not understanding what they buy is probably why they have bad credit in the first place…?). Some of these comments like “where my money at” and “I didn’t know it takes time to work”… blah blah blah pleeeease!!! If you want money, don’t get Kikoff. If you wanna get your credit right so you can get money later and have healthy credit, get Kikoff. Not trying to rip on people just sayin… dang. Not that complicated. Kikoff gave my score a boost an then helps me build more credit by helping the factors that make up my score. This app is for people who WANT to work towards better credit FOR REAL and want a legit hack that gets them results faster. My score went from a 605 to a 690 in 2 months with literally NO WORK. I didn’t even pay off any debts… this app do it..Pi$tol_peteVersion: 1.45.517

Very happyI am 21 years old and I’m not a fake review lol I been tryna get my credit up for awhile I was able to get to 524 but as soon as I started with Kikoff and it’s only 5$ a month hella cheap my score has been going up 27 points every month I have been with them for 2 months and both times they reported to the credit companies I got a plus 27 points that’s insane idk how they can make your score go up 27 points a month over 5 bucks but I very much appreciate it soon I’ll be able to pretty much rent my own place and get accepted for financing with certain things that’ll help my score go up even more I HIGHLY RECOMMEND KIKOFF I PUT MY GIRLFRIEND ON KIKOFF AS WELL it’s got a cool credit card system they let anybody get with credit and good luck getting accepted for a credit card anywhere else I tried also the amount your score goes up from Kikoff id amazing so try it out if you can’t afford 5$ a month you better start working on finding a job lol great app very helpful in starting my life and getting my foot in the door..TylerGreene807Version: 1.26.233

Do Not Accept The Kikoff Debit CardI started building credit with Kikoff. Then I was offered a debit card with a $200 bonus. Next thing I know, my account was hacked and all of money was stolen from only this card. I have been calling and emailing them in hopes of getting my money recovered. They sent me a replacement card with the exact numbers as the compromised one. Now, I’m waiting on another card which I should have received according to them. They can’t tell me where the card was sent. The person who hacked my account has her email address attached to my account. Again, after numerous emails kikoff’s higher support still has not removed it and replaced it with mine. She has full access to my app and what money I have and will be receiving. She can change the PIN number and activate my new card, and get the new card number from the app. I don’t even know how to prosecute this person because she lives in Arkansas and I live in Georgia. I am ready to take Kikoff to court as well for not protecting my information. I have since looked into the company at the BBB site and there are way too many stories similar to mine..Sumo2019Version: 1.45.517

Thank you for making a way!!!!!!Since the pandemic began our credit went upside down when my husband and I both lost work due to C-19. We relied on credit cards to support our family to survive. And despite our best efforts since then we couldn’t find a way to repair our credit back to what it was. It was only moving 1 point a month for each of us, not nearly fast enough to get approved for home loans, renting, auto loans, emergencies, all the important stuff. We’ve both been using KickOff for a few months and our credit has significantly improved since joining. We are even considering doubling up soon on their second credit builder they offer. We just found out we can get a car loan for the first time! So we are so excited to finally be getting a vehicle!!! This will actually change our life. Cannot thank KickOff enough and will continue to use it, I would recommend to anyone who needs to build new credit or build back bad credit! This is a life saver!! 10/10.CheyFoxVersion: 1.29.273

Nah that’s crazy!I really didn’t know what to expect I have 5 charge off accounts and have badly killed my credit for foolish financial mistakes in life but decided to really work to fix and and build it up so in July my credit score was a sad 509, 2 months! Just 2 months in with my kickoff credit account & my kickoff credit builder loan being reported to the bureaus my credit is now 607! that’s 98 points in just 2 months. I’ll be honest I got the ultimate plan which is a $3,500 credit account I wanted the highest credit limit + most importantly wanted to be reported to all 3 credit bureaus. my score was actually 428 on march 12th & had opened a capital one secured credit card with $1000 credit limit but with Kikoff being added to my report it made it $4,500 credit limit which dropped my utilization ratio, I don’t know what to expect from here on out I will make sure to pay on time every month and hope it goes up even more but all I can say is AMAZING point blank period..ED0630Version: 1.81.1017

I’m not sure…50/50So, I saw this and gave it a try ($5 a month isn’t anything now a days) my credit isn’t horrible but I don’t have much on it…it didn’t happen overnight but it honestly did help my credit score out and the process was simple. No you don’t really receive anything from it besides credit reporting. BUT, one month randomly….it said my payment was $75!! I paid, $5 for a few months then went up to $10 and out of no where it says I owed $75?! I could not figure out how & why and I reached out multiple times trying to figure it out. No response. Finally….i saw where i had the “top” subscription option and I did NOT opt to be enrolled into that (I’m not paying extra for something I get the same benefit out of with the minimum) So now, me not being able to pay that when it was due, I keep getting charged, it keeps building up and has gone against me. I have had this for at least 2 yrs I know and it was all so well now it’s pretty much gone to waste. Im not here to bash kickoff, it did help me and it’s manageable but, I am disappointed. I knew there had to be a catch eventually….$CNL!Version: 1.125.1912

My Deepest AppreciationI really don’t write reviews since 1. I’m more of a word of mouth type of person and 2. I simply don’t have the time. Since joining about a year and a half now, my credit score has not only significantly increased but, my life too. At the time, as we all know, it’s been a rough one for the past couple years, I was so broke and I was In a position where I needed to move immediately. My credit score wasn’t looking too good for hard inquiries that year Lordd, I started investigating and asking around to where I saw on my IG this platform. At that point, I just said why the heck not, it’s $5 a month and I can substitute my Wendy’s 5 for $5 I’d like to treat my self too since honestly really was needing too haha. Signed up, paid the fee and then a month later, I checked my credit score and it when up like 62 pts!!! With that, I was now able to get a new place with a super low to dang near no fee for my new spot, in the name of Jesus! Thank you Kik off 💜💜💚💚.ValeIS300Version: 1.62.781

It is definitely worth it!I will start off by saying that negative. It’s definitely not cheap but not too expensive. Putting five dollars aside a month to help you build your credit is really good. The also bad thing is that I feel that paying $20 a month or $35 a month for a plant help you with your credit is kind of a lot of money but it’s definitely worth. Now to the positive the first month my credit score went up 102 points. On the second month, it went up 42 points. I was able to remove 14 items from my credit report that I didn’t even know I had on there. I also got their secure card and that’s the same card that I used to pay the five dollars a month and $20 a month with the plan that I chose which is perfect because it’s reporting it to the curb bureau and it helps you build your credit even more. Everything is super easy to understand. And if you don’t understand that you could literally get help..Jolie38!Version: 1.135.2189

Amazing app like frThis is a great app from my experience. This is one of the only apps that has done exactly what it says. It’s going to do. I started out with a very very low 500 credit score and now I’m almost at 700. I’ve had it for a little while but I was very persistent on it. I ended up closing out my first account paying it out and they sent me my money back like they say they do and I start up another account. I was able to increase my credit limit so kick off is a very, very great app. If you are looking to increase your credit score and get yourself together this is the best app to use. I don’t know about any other credit repairing or anything like that that is better than this is in the palm of your hand so you have the control so yeah kick off y’all are doing a great job. Keep it up. I love the app. I will continue to use it. I have 18-year-old son. I am also going to get him on it as well so I love this app. Love it love it love it!.EricaTheBratVersion: 1.90.1090

Please…do NOTTTTTT waste your money on KikOffTo be very honest, I don’t even understand how KikOff is still even a business. I’m shocked they haven’t been shut down. YET. It’s shocking to me the number of customers who clearly DON’T pay attention. I’ve read numerous mixed reviews regarding KikOff and it seriously bothered me just how many people are actually clueless. It’s clear that TOO many are easily assuming “KikOff is great,my score has jumped up sooo much”. This is what made me feel the need to leave a review. How is it that people haven’t noticed that KikOff uses the outdated FICO 3 scoring system, Not FICO8 which is what businesses/retailers use today. With KikOff using the old Fico 3 scoring system,customers are seeing their credit scores increasing to wonderful numbers after making their payments on time, their credit scores have increased well over 600, 700 and these customers are genuinely happy,feeling very satisfied,feeling proud of themselves,they can visually see the work they’ve put in to build their credit finally paying off and these customers are elated,feeling wonderful about themselves,about their scores and all the while it’s an outdated scoring system that is NOT reflecting their real TRUE credit scores. Customers with KikOff,do yourselves a BIG favor. Look up and get the details of your most recent credit scores. You will instantly see your REAL,accurate credit scores and you will realize just how bad KikOff actually played you. KikOff is here playing all of their customers for absolute fools. It’s false advertisement is what it is. Not even just that,using Fico 3 and not Fico 8 giving their customers INCORRECT credit scores,but KikOff also advertises that they report to all 3 credit bureaus weekly. KikOff does NOT. KikOff reports to TransUnion and Equifax weekly. They report to Experian MONTHLY. I honestly don’t even know how they’re still in business. All I do know is they won’t be in business for much longer unless they make some drastic changes, for the better.Jay and ChrisVersion: 1.139.2301

Good appI don’t really ever do reviews but this is important! Especially for the younger gen. I opened my account in Jan. 2023 and I had low 500’s close to the 400s. So I read on other reviews because I was going to only get the $5 to start but others have said they had great experience and said to go for the $5 and $10 if you can afford it. So I signed up and by the first month my score went up 38 points. My utilization went from a 187% to a 7%. Stayed the same for next month and then for March went up another 15 points. Stay the same for the next month. And now I’m up another 12 points and utilization at a 5%. I couldn’t be happier. I got my first credit card. It may not be the highest limit but it is a start. And that’s what this app says it’s for. To get us back to getting approved for what we need/want. I highly recommend this app. Especially for the younger gen, don’t just get any secured credit card get on that’s going to improve your credit as well. They give you the account history. No APR. No late fees or charge back fees. 🫶🏾✨ The only reason I give this app a 4 star is because I have yet to get my credit to update on my Kikoff app. And I have put other on the app and they get their score within the month. It’s been six months and customer service isn’t very great. I reach out via email and on the phone and don’t get any solid answers. But other than that I cannot complain because the Kikoff does show up on all three of my credit bureaus; just wish the app worked better!.Emmy Marie KingVersion: 1.44.503

Best of the Best # 1!This app kick off beats any other credit tracking app, including Experian Trans Union in Equifax etc, not saying those aren’t great, but this one has more benefits that we need not want but extremely need and it takes care of it for us, including names on the dark web, which is severely important because every other website cost $1000 a month for that and disputing our old credit draining slugs, and giving us the option to report our bills and rent and utilities, which also boost your credit and then there is an offer to put money on a card and go on your credit that way on top of everything else so true MVP goes to kickoff and do you have a Kikoff premium? It’s only like six bucks but they do millions of dollars worth of repair to hear your financial life wishes how adult adults even get by these days so make up to kick off.! we appreciate you !! **** throws panties at Kikoff !!!!xoxoxxx - FL girl 2025.Jadakissed92Version: 1.138.2279

That is a lieFirst of all, I’ve been with kickoff for a long time. Yes, you can boost your credit score but the funny thing is you’re supposed to have they give your credit of 2500 so you actually think that’s in your account it’s for all my purchases only kick off which is basically with books audiobooks then when your time is about to run out so basically like you upgrade it so you’re paying more moneybut you score is still drop and flux right up and down but then you can’t use the credit that you’re supposed to have 2500 or 3000 whatever the school supposed to be that they say you could use it doesn’t adapt to your kickoff card at all that’s when I tell you in store purchase only and they really don’t have nothing in store and I’ve been with them for a couple of years so I went with another one better than kickoff and I could use the credit and build my credit score.Pashion26Version: 1.126.1940

KikOff will help your CreditAfter a friend told me about KikOff, I was definitely skeptical. Let’s face it, most claims that are made convincing you of improving your credit don’t turn out to be helpful. Cue -KikOff enters the situation. These people have made it their mission helping those who’ve sustained damage to their credit, improve it. Those who’ve given a negative review, simply didn’t educate themselves on how it works, or had unrealistic expectations of it to start. Credit isn’t built overnight, people. It takes time. How do you think a creditor determines if you’re worthy of a line of credit or loan? It’s because you took years paying a loan or bill regularly, and they know you can be trusted to make that payment. Sometimes life happens, and our credit suffers for it. KikOff understands that. This is not a money making app. It’s strictly for building credit. After 2 divorces, my credit had sustained what I thought to be irreparable damage. KikOff is helping change that. In 4 months of making on time payments, my credit has increased by 158 points. There are a couple of different options they give you. For example, there is a credit account that builds your credit paying $10 monthly, and after 1 year, you get back every dime you deposited as your monthly payments. Kinda like a savings account for you to access at the end of the year, and at the same time increases your credit score. There are several options, you just have to educate yourself and find out all you can about them before you decide what to commit to and if it’s what works for you. You can choose to have your paychecks DD into your KikOff account, as well and get paid up to 2 days early. An individual should always read the fine print of anything they commit to, especially when it comes to finances. You don’t get free money by trying to build your credit, so I’m not sure some people who’ve left some of these negative reviews even understand the concept of credit building. I highly recommend you check them out. I appreciate you, KikOff! Thank you for helping me do the impossible..BlondifocksVersion: 1.49.563

Credit Crusaders 🤓The creator/s of this app should be given ‘credit’ and dubbed the Credit Crusaders and/or conquerors or ooo Conquests of Credit, nah Concreditors ( e.g. conquistadors) 🤪 haha; these most mindfully and thoughtfully driven people are the ones who not only care about a problem then just talk about it, they turn those intangible thoughts and make them tangibles and obtainable. And what makes me so proud of them is that they knew and know how important credit is, how it’s literally the thing that holds people back in life especially Americans’ lives, which is my only experience to speak on. These Warriors of Wealth Health should be given much praise and recognition for their hand in helping any and all who use this app and like myself already have a better credit score which has opened up many opportunities. You are the best of us and I can’t thank you enough for what you’re ambition has done for me and many others..Evc523Version: 1.9.44

This is So Legit it’s Krazy!I’m gonna be completely honest about this app and my experience. For starters I’m very happy about this app and its features . I didn’t necessarily start off with bad credit but It did need some work. This app really helped me understand my current score and at the same time made great suggestions to help improve it. I took action and within the first month my credit rose significantly I’ll just say that. I plan to keep them and paired with a few other credit apps you can’t really lose . I want to buy a home soon and have been working really hard and I believe this app will help me get closer to my goal and that’s all I want is to achieve my goal of being a homeowner. And this app with its suggestions and monitoring I think can help me . It has already made me more confident with my finances spending habits and over all credit related wants and needs . Thank you.Rockin7200Version: 1.152.2608

Let it lead you to the light!!! lol!!!Ok, for right now I’m giving Kikoff five stars. And BABY, you need not to pass this opportunity up because it’s the real deal. I’m not one to believe everything when it comes to apps these days. Because we have so, so,so, so many who wants to scram people. But Kikoff is not it at all and it truly helps with your credit. My credit was a low 560 or 570 and would never change and I’m talking about for months or even a year. At times my credit would go down ten points instead going up. Since having Kikoff my credit went from 560 and 570 it went up 14 points in a month. Someone finally wanted to help people like me who don’t have the credit to get a loan to pay off my debt. I’m so happy because I really wanted to clean my credit because I want a car in the future. So, just take a chance and see what Kikoff can do for you..Sunshi5eVersion: 1.91.1103

Lies no Loan they never give you anything.I have an account that says it’s a loan for 120 they also say they give you a 500 our credit account but they don’t tell you if you can only buy books from their store and they never deposit any money your payments go to the savings account and they don’t tell you that in the disclosures. So you’re never loaned any money it’s misrepresentation and fraud. That the $10 payments for and that the $10 payments for the $120 loan are only redeemable and cash upon completion of all $10 payments for the whole year. Then you can get your $120. Mind you there not gonna give you any interest in so realistically they’re offering a loan but it’s really just a savings account.$320 they need to be able to do whatever they want with it if you control the money that is not alone and you are lying and I am reporting you under the truth in lending act.MattieMattwVersion: 1.19.113

It works!It’s been two months, & I’ve gone up 41 points ☺️I started with 525, one month later I’m at 540 & now I’m at 565. Understand this is not some kind of unsecured credit or loan, so you’re not really getting a $55 credit. You’re basically paying for a credit reporting service that will cost you $5 a month for 11 months. You’ll also have an option to use their secured credit card to build your credit faster, & a monthly “loan builder” where they report it as a loan you’re paying back at $10 a month for 12 months, after that you can cash out your $120. I’m pretty sure the company gets a good amount in interest by investing our “self paid loans” & we get to build our credit for free, so it’s a win/win 🙌 try this it works! Just make sure you don’t miss any payments, because that obviously affects your score negatively. Good luck !.Jessica321780Version: 1.31.313

Finally! An app that disputes!I will update this review, because it’s too soon to see a change to my credit, but I will say, this app is amazing so far! It helps you dispute old things on your credit report. I am a person that can’t call people on the phone. I can’t do it. So if I know that if it involves calling? It won’t get done. I’ve procrastinated for 6 years on removing things from my account. I know that sounds terrible, ADHD is a wild beast. This app not only shows you what you owe, but there are options to dispute it right at your fingertips. One click, and they actually generate and send a letter for you. It’s so easy. I chose to pay for the $20 a month option and for me, It’s already been worth it. Leaving this review on 5/9/24, credit score is 640 (yikes right) but I’ll update with the progress and let’s see how it works together yall lol..SKC2018Version: 1.71.897

Rating: 3.75 of 5 StarsI took off 1.25 stars because of a few minor annoyances: When I signed up over a year ago, I was under the impression that payments would be refunded after paying off the Credit Account. I only learned that was not the case after I had paid it off, but considered it as a cost for the actual service of raising my score. (Honestly, it was worth paying $5 a month and even signed up for my second year.) The autopay payment date for my Credit Account is so confusing though! I also signed up for the Credit Builder Account and trying to sync both Autopay payment dates is so frustrating. (More on this later.) In the past I was able to chat in app with customer support, but only see a phone number to reach them now. Bleh. OK, I only want to know what the actual date I need to have money in my bank account for the Autopay to go through. And this is why it’s confusing: 1. Today, August 13ᴛʜ I received an email reminder that my Autopay will process on August 15ᴛʜ. 2. The User Dashboard section in the app says my next payment is due on September 9ᴛʜ and my Autopay will process tomorrow on August 14ᴛʜ. 3. My Credit Account section says my next Autopay will process on August 16ᴛʜ. 4. The Manage Autopay section says my current monthly Autopay date is the 12ᴛʜ. 5. My Credit Account Transaction History shows past payments on the 19ᴛʜ of each month. My final thoughts are that I genuinely recommend Kikoff, regardless. Their line of services are very helpful for anyone trying to build their credit and have actually helped me with establishing a sense of financial confidence..IPolarboyVersion: 1.81.1017

KickoffI’ve had a really positive experience using the Kickoff app. It’s simple, easy to navigate, and perfect for anyone looking to build or improve their credit without taking on unnecessary debt. The setup process was quick, and I appreciated how clearly everything was explained. What I like most is that it reports to the credit bureaus consistently, which helped me start seeing progress in my credit score. The monthly payments are affordable, and there’s no complicated process to follow. It feels like a safe and manageable way to work toward better financial health. Customer support has also been responsive and helpful whenever I had questions. Overall, Kickoff is a great option if you’re serious about improving your credit in a steady, stress-free way. I definitely recommend it to anyone trying to rebuild or establish credit..QueenV007Version: 1.157.2715

Outstanding Coaching Experience – Highly Recommend!The Kickoff app has completely transformed my fitness journey! From the moment I signed up, I was matched with a knowledgeable, supportive coach who created a plan tailored specifically to my goals and lifestyle. The daily check-ins, accountability, and personalized workouts make it feel like I have a trainer in my pocket 24/7. What I love most is how easy it is to use—the messaging feature keeps communication seamless, and the app tracks my progress in real time so I can actually see my improvement week after week. My coach’s encouragement and quick feedback keep me motivated even on tough days. If you’re looking for a convenient, affordable, and truly effective way to reach your health and fitness goals, Kickoff is absolutely worth it. I’ve seen real results and feel better than ever!.SexyShay632Version: 1.137.2232

If you haven’t tried Kick Off Lending…Anyone and everyone that has just realized that credit IS everything and needs help raising your credit score fast and easy you need Kick Off Lending! This is truly a credit score hack!! I wasn’t sure if this was going to work but I figured worse comes to worse I will lose 10$ per month but if it does I gain 100 + points on my credit score… being the typical gambler that I am I quickly signed up, here I am 1 year later, I just received a check back for every penny I invested AND my credit score went from 400s to mid 600s!!!!! I couldn’t believe it! I am definitely signing up for the upgraded “loan” that I am now approved to utilize! Kick Off saved my life! I was denied everywhere I went before Kick Off Lending…. I now have a new car, a beautiful house and good credit! Thanks Kick Off Lending!.!CyUnvM3Version: 1.45.517

Really works to raise credit scoreReally does raise your credit score significantly and quickly without costing you a dime. My credit score has gone up nearly 200 points—and I have been far from perfect in the negative remarks area. Uses your own money to create raise your credit in a number of ways. 1) it diversifies the types of credit that I am making regular payments on. 2) it makes regular payments (like paying 1/12th of the loan per month for a year). 3) never borrows more than 5% of a credit limit at one time (having constant credit activity but only using a small portion of your credit limit also builds credit.). 4) takes out your own money using-front for the exact amount of the loan or credit you will be making payments on- then automatically makes those payments for you so you can forget about having to remember to pay, and just watch your score increase. 5) average age of credit cards/ lines of credit increase or decreases along with your credit score. So, after the year installment-loan drops off you get an extra credit boost as your average age jumps up. At the same time they have other kinds of credit that keep getting older at the same time…so both are making your score increase.SirFeelgoodVersion: 1.168.2995

Tremendous Credit ImprovementI have been using Kikoff for three years. An I must say I was impatient when it came to seeing how much of an impact these accounts have on my credit score. Growing credit and building trust with lenders, takes time, dedication and financial focus. This app helps hold you accountable for your money and gives you tools to make better financial decisions for the future. I have seen a 70% improvement in all three of my credit scores in the recent years. As I continue to make my payments I offered more ways to grow my credit. For those that have doubt about Kikoff, my advice to you is to DO NOT. Expect instant results. You must invest in yourself to Kikoff the to a better credit score. Stick with your on time payments. A more opportunity will come your way. I’m glad I stuck with the process..TrueintegrityVersion: 1.107.1345

It’s okayThe app works. It does get your credit score up, however, it will only increase significantly the first month or two. Which I believe my score did go up about 70 points when first beginning. Now every month it only increases by 2 points, which can be a slow journey which is why I deducted the first star. Kikoff lost their second star because of the non-working biometrics. It scans my face numerous times, but yet… it’ll fully log me out occasionally and force me to type my email and password which is very annoying when I constantly remind the app to remember my face and automatically log in. It makes it annoying to have to check the app and keep up with payments because of the faulty system they have. Update this, or I won’t be back after the 12th month. Thank you :).KennyDreamyVersion: 1.50.580

Life-Changing Credit Improvement with Kikoff!Kikoff has truly been a game-changer for me. Since joining this credit-building app, my credit score has skyrocketed by over 150 points! I couldn't be happier with the results. The app is incredibly user-friendly, making it easy for me to navigate and understand the steps needed to improve my credit. From setting up my account to utilizing the credit-building tools provided, everything has been seamless and hassle-free. One of the aspects I appreciate most about Kikoff is their commitment to transparency. They provide valuable insights into my credit profile, allowing me to track my progress over time. It's empowering to see the positive impact that my actions are having on my credit score. Additionally, the customer support team at Kikoff is top-notch. Whenever I've had questions or needed assistance, they've been quick to respond and offer helpful guidance. Overall, I can't recommend Kikoff enough to anyone looking to build or improve their credit. It's been an invaluable resource on my journey to financial health, and I'm grateful for the positive impact it's had on my life. If you're serious about taking control of your credit, look no further than Kikoff. You won't be disappointed!.Vlooloo92Version: 1.72.910

Don’t listen to the bad reviewsI have been using Kikoff for a couple of months now as long as you use it and understand how to use the app it will help you build your credit. My credit score has went up 150 points with the last six months not to mention if we use this current credit card, it’ll go up even more and when an additional 50 points, including the secure credit card, this is very easy to use. Yes it does cost money and if you use the loan you have to pay $10 a month but they give you your money back at the end of the term it is very helpful. just make sure you pay for the one that reports to all three credit bureau it’s worth the money. Trust me I couldn’t get approved for anything. I can get approved for almost anything. I apply for thank you kickoff..Amarrion 4577Version: 1.69.863

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Kikoff – Build Credit Quickly Negative Reviews

Doesn’t work, don’t be misleadI feel as though it is a waste of my money. One is because the application hasn’t done anything for me. Outside of me paying the company $20 a month for zero results. Results of the basic dispute plan hasn’t done anything about taking off hard inquiries or debating accounts that are closed and paid in full. They want more money to do that. The funds being put into this scam of an app could be used to pay off any negative accounts that I am currently paying myself. Any positive marks on my credit have come from me. Setting up payment plans and making on time payments myself. Anyone that has seen positive results from this app, please reach out to me because I want to know what was done to help you. Definitely would not recommend this app. Get in contact with the people you owe or have closed accounts with and set up a payment plan. Promise you will see results in two to three months if you stick with it. Create a budget plan and stick to it. Sit money aside for everything you want to do and get done. Create separate bank accounts and have them work for you. One for bills, emergencies, fun, everyday expenses, and trips. I went and saved the money for a secured credit card and have it two of them taking care of basic stuff. Then taking my paycheck and paying them before the next billing cycle. If they ask for $25 give them $26. Thank me later..HarlemAceVersion: 1.135.2189

Closure of my account due to their system errorMy payments are due around the first of each month and I always paid it earlier so they do not have to do an automatic debit in my account. On the 27th I was going to go ahead and make a payment and when I went to process the payment it said please try again later unable to process, so about five minutes later I went ahead and processed it again and the payment went through. A little bit later that day I was balancing my checkbook and I noticed on my account that there were two debits meaning two payments, I automatically call to dispute the first payment because again the system said it was unable to process at this time. Please try again later unknown to me that kickoff automatically close my account and tell me because I disputed the transaction. It automatically flagged them to close my account and that my payment for the second transaction that went through was also going to be not accepted, but in fact, it was accepted because it was deducted from my account. The gentleman that was helping me was no help at all. I asked to speak to a manager, and the manager never called me back. This was not my error at all. This was a system error, and since no one called me back. I have switched over to Kovo, very upset about this because no one would help me and the account should not have been closed they should’ve contacted me first. So be careful when the system says unable to process payment at this time. I advised the customer service representative that was helping me that this review could change peoples mind about using this company because of his unhelpfulness and trying to get the account to be reopened since it was not my fault..NicalatinoVersion: 1.155.2670

WILL NOT HELP YOU OUT IF YOUR CARD IS STOLEN. NOT FDIC.I had Kikoff for over a year. Honestly enjoyed the credit building programs up until 6 months ago. Someone stole my card started using it for purchases. I reported it stolen, locked my card, and ordered a new one immediately called Kikoff to get more details (IP, name, location, etc) the customer service agent told me I would see it on my statement and I would need to contact corporate to get the details per transaction. I was seeking physical proof to submit a police report and prosecute the suspected thief. Due to kickoffs failure to provide me this information this person got away with theft and I have to just let it go. To this day I still get notifications from Kikoff saying my card was tried but failed due to it being reported stolen and a new one issued. Still get notifications and every time I contact Kikoff they say they have no further information. Email support was the worst and was just apologetic (basic human sympathy) but no profesional action was taken and no further information could be disclosed about these attempted charges. They are NOT FDIC insured. They do NOT have your back. They will NOT help out when needing actual proof to fabricate to law enforcement for a police report or pressing charges. DO NOT DO BUSINESS WITH THIS COMPANY..Not Your Guy DuhVersion: 1.52.622

This app lied to me! Be CAREFUL! Don’t DO IT!I downloaded this app because it was suggested by credit karma as an easy way to build positive credit. After doing some research, I decided to go another route and quickly cancelled the account. I tried calling customer service but it is just a recording telling you to email your problems to the given email address. I then wrote a lengthy message about my problems and was sent an email saying that my account was closed but that there was a chance that I would still receive bills and emails of late payment for up to two weeks. This is why I did not think anything about all the emails I began to receive insisting that I had an overdue balance. Two months later, I woke up with a message from credit karma stating that my credit score had gone down. When I checked the changes made, I saw that Kikoff had reported negative marks for late payments. I was shocked! This app was supposed to help me and now I have to dispute them to return my score to the status I was in before signing up for this app. Don’t do it!!! Do not get this app. You will be lost as to what is going on and you may even get a lower credit score than you started with..Mlk316Version: 1.18.96

Do not waste your time or moneyI started off with the basic plan and thought it was a great idea originally. You build your credit, and the “account” acts as a savings account and you get the lump sum back after a year. But the app pushes for you to upgrade your plan under the false advertisement that the upgrade is the same but with more features such as more reporting, ability to dispute, etc., when in fact, it’s completely different. It’s a straight up subscription that you’re paying to just see your credit scores and report a fake line of credit. That actually harms your credit score for half a year anyway because it’ll report high usage until you “pay off” most of it. Then when the mature date of year comes around, you don’t even get your money back because the upgraded plan is a “subscription” which isn’t clarified anywhere. And even on the account, there’s a misleading line highlighted that reads “payable by (date)”. Calling to clarify is no better. I wasters a whole year and $2500 when I could’ve just used a traditional savings account or actual line of credit. Don’t waste your time or money..CaylahWestVersion: 1.138.2279

It’s not real credit!These aren’t real credit accounts. These are imaginary accounts that you were paying them. Credit agency. They do offer you online digital materials that you can buy on their “credit.” but that’s it. This should be illegal. Also, once you sign up, you have to wait till that. To close your account. If you get a premium or up account, you have to wait till the end of the month or billing cycle in order to downgrade. They did not give you any other options. Make sure you know what you’re getting and what you are paying for. You are paying them to report to credit agencies. A low credit utilization percentage. That is how they get your score to improve. This is where the two star comes in. For the basic plan for five dollars a month it is definitely worth it.. any account above a basic plan is not worth it unless you’re willing to pay &20 to $35 a month for them to report to the credit bureau for you. The secure credit card means you put the money on the card first and then you can spend it. It’s not a grown-up credit card..MillsMagicVersion: 1.161.2855

Knocked my credit 92 points off of five dollar paymentI got kicked off as a young adult, hoping to build my credit fast the first payment that I made it boosted my credit up 48 points and I was so excited when I finish paying off the $50 which was five dollars every month I thought that would be the end of it but no, Kick Off took it upon itself to renew my subscription again without my authorization so when the bill hit again, I had missed and it knocked me 97 points which is crazy because I was only paying five dollars a month and that was the first payment I’ve ever missed and I contacted customer support and the guy told me there’s nothing that they can do even though I never gave them permission to start me on another subscription so I’m telling you right now do not get this app it was the worst decision I could’ve made and also to close your account. It hits your credit really hard again so be prepared to ruin your credit if you wanna get this up ‼️‼️‼️ and Kick Off if you’re seeing this, I will be making a TikTok about this because this is absolutely ridiculous and you guys need to be banned.YummmyfoidVersion: 1.113.1470

Nothing like it used to beThis app really helped me start working on my horrible credit and did a great job at it but as time goes on I find that the app is becoming less useful and more of a headache. Once you have decent credit you are sort of stuck paying them monthly or you have to take a hit on your credit. I’ve had this account for 5 years and 2 years longer than my other accounts so it’s going to significantly lower the age of my oldest account affecting my credit. Just know if you use the $5 a month plan you will either be stuck paying it for a long time or you’ll have to take a big hit closing it out. Most people who benefit from this will be in the same situation I currently am so keep that in mind. If you want to use this app then use it for the secured loan option and not the credit option so you don’t get stuck like me. Get a secured credit card and use it only for small purchases to keep it under 15% and pay it off on time. It will benefit you just as much as throwing away $5 a month on this.Cody MikaelVersion: 1.162.2875

Ruin your lifeI had kick off for 10 months please read this carefully. I unsubscribed in August 20 23 and they were still billing me. I unsubscribed through the app. They were still billing me without my knowledge because I’m thinking that the account was closed the last payment I made was the month that I closed the account so I’m thinking I don’t owe these people anything because I found a dispute or something and it took them about three months to get back to me regarding the dispute so I was unsatisfied with their services, I looked on my credit report trying to buy a house to see why this was on my credit. They said the subscription was still ongoing, but I told them I unsubscribe however it goes now this is on my credit report as a charge off and I am going through attorneys to sue this company for false misleading accusations, I called they told me there’s nothing I can do even if I was to pay the balance off. It was still charge off so don’t even waste my time I called spoke to several representative. They really don’t speak English. This is fraudulent and needs to be taken down..Yoash24Version: 1.87.1072

Do not trust them!!!I got the kick off credit builder card where you pay $10 a month and at the end of 12 months you have $120 loaded onto your card as well as 12 months of positive credit reporting which will help your credit. I decided to get the card and soon I became annoyed by the monthly withdrawals. I hate automatic withdrawals and I canceled the card and told them I would like no further ties with their company several times for me to cancel this card and now months later I’m seeing them reporting a negative balance on my credit report for $35 and I never even use the card. All they did was keep taking money from me each month as agreed I don’t know where that’s at either now that my accounts closed and I had been paying into it not only that but like I said now months later, they are reporting to the credit bureau that I owe them $35 when I never even used any of their services and no attempts were made to get in touch with me regarding this $35 balance that I supposedly owe either oh, I can guarantee you I will be disputing this on my credit report!!!.Stefinthe360Version: 1.69.863

Company is quick to report a late paymentCompany is very quick to report a late payment on your credit report as soon as you miss a payment, just as if you actually took out a loan with them. I had my account on autopay and as soon I changed cards it did not bill me as normal. Due to this mishap, After two years of paying kikoff and it boosting my score only 30 points, kikoff added negative remarks and a late payment to my credit report after missing only one payment. This negative remark took **85 points** off of my credit score, destroying the 30 points I worked hard to build for two years paying kikoff. Their customer support was very unprofessional and basically blamed me for the whole issue saying “we sent you emails, it’s your fault.” I wouldn’t recommend kikoff, they are just as quick to destroy your credit when you stop using them as they are to help you when you pay them. I have photos for record of all of my conversations with kikoff and you can see how unprofessional this company goes about handling these things..DerkmoVersion: 1.109.1377

Wow.Talk about the app I DO NOT recommend to anyone. SAVE YOUR CREDIT WHILE YOU STILL CAN, BUT DO NOT USE KICKOFF. I invested in the kickoff app in February of this year in an attempt to help build up my credit. Heaven forbid anything in life happens to someone where it causes you to miss a payment. Now, because of trying out Kickoff, not only do I have an even WORSE credit score than when I started, but kickoff reported to the credit bureaus that claiming I took out a loan of $250, and now I’m expected to pay it back. There is only one problem, I NEVER EVEN TOOK OUT A LOAN. I never ever received any kind of credit line or money through a loan from Kickoff. When I contacted their customer service with my concerns, they were absolutely no help. They wouldn’t give me any of the money that I did pay toward my “loan”, back nor would they help me file a dispute claim with the credit bureaus or figure out a solution so my credit didn’t get even worse. Their customer service is rude and not even the least bit helpful. Again I REPEAT, DO NOT SIGN UP FOR KICKOFF. You will regret the decision if you do..Stefi.CainVersion: 1.50.580

Do not useI used the app for the 12 month period completed all payments never missed one today is my final day and when I attempted to have them send me the savings payment at the end it wouldn’t allow me to link my bank account then kicked me off the app like it just forced me back to my Home Screen on my phone now every time I attempt to reopen the app it says there is a network error and just loads with a white screen mind you they allowed me to pay them a full payment to start another 12 month credit building account took the money and everything was fine no problem now that I am trying to get my savings from my first 12 month account I can’t even login I have restarted refreshed and deleted and redownloaded the app all for the same thing it loads for several minutes then says network error so I guess I just got robbed 2x 1 for my savings and 2 for the first monthly payment of the new 12 month account I would not recommend this is the first and only problem but very odd if I do say so my self.HowtfallthenamestakenbmsVersion: 1.90.1090

Be careful - it’s not what you think…Kickoff claims to repair your credit, which may or may not be true, depending on all of the mixed reviews that I found online. The real story is that Kikoff is NOT a credit card. You do not have a credit line, you have what they call a trade line. This enables you to purchase items from the kickoff online store. They obviously don’t tell qyou this upfront. If you’re looking for a credit card and you have not so good credit or fair credit, then I recommend going to nerd wallet and searching for credit cards available to people with poor or fair credit. You can most likely qualify for a Capital One card or a Discover card or some other (lots of ) reviewed by the folks at NerdWallet with no annual fee and a relatively low credit line like $500. Then you actually do have credit and as long as you maintain your payments and or pay the card off at the end of each month, it will greatly increase your credit score..LizzilizeVersion: 1.165.2944

ScammersThey stole my money I cannot believe the ratings this app is getting! First of all, someone hacked my email account about a year ago at the same time my phone was shut off so I wasn’t able to access my account online, I called them and the only way they’d let me do it is with a current valid drivers license which I don’t have because I’m disabled and I don’t drive but I have my expired one from a few years ago. I could’ve shown my birth certifi, social security card, anything else along with that photo id to verify my identity but no, they wouldn’t let me into my account. So I told them to close it then and send me a check instead for the money since I couldn’t access it through the app. They sent me an email stating since it was a subscription I don’t get a refund and they kept my full $240. I’m definitely sending them to the BBB they did not give me a fair shot and should never have kept my money over their inability to assist me because their customer service people barely understand our freaking language..KtothemacVersion: 1.131.2086

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