Kikoff - Build Credit Quickly
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Information
- Category: Finance
- Price: Free
- Age Rating: /
-
Rating:
4.8
- Developer: Kikoff, Inc.
- Version: 1.94.1112
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Features
The Kikoff - Build Credit Quickly mobile app offers a variety of features to help users establish and build their credit quickly. One of the key features is the ability to open a Kikoff credit builder account with no credit check required. This allows individuals with limited or poor credit history to start building their credit immediately.
Additionally, the app provides personalized credit coaching and education to help users understand their credit and improve their financial habits. Users can also track their credit score progress and receive alerts for any changes to their credit report.
How to Use
To start using the Kikoff - Build Credit Quickly mobile app, users can simply download the app from the App Store or Google Play Store and create an account. Once logged in, users can open a Kikoff credit builder account and start making small, affordable monthly payments to build credit.
Users can also take advantage of the credit coaching and educational resources provided in the app to learn more about credit and how to improve their financial health.
Pros & Cons
Pros of the Kikoff - Build Credit Quickly mobile app include the ability to build credit without a credit check, personalized credit coaching, and credit score tracking. The app also offers affordable monthly payments and educational resources to help users improve their financial habits.
Cons of the app may include limited availability of credit products and services compared to traditional financial institutions, as well as the potential for fees associated with the credit builder account.
User Reviews
Review Source: Google Play Store
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Kikoff has been a fantastic app for me. I had bad credit for a while thanks to some poor life choices as a young adult, but I've since bounced back thanks in no small part to kikoff. the credit builder card and credit building loans are incredible. can't recommend enough! only thing I would like to see is a debit card attached to the account as well so that I can use the money in my account to pay for things and link accounts that don't allow credit cards.
Great app, works as advertised and extremely easy to use. I have only been subscribed for about 5 months and starting with almost no credit. For only $20/month (I believe the cheapest option), it has raised my credit score from very low 500s to Mid/Hi 700s with very little effort on my part. I'm quite cautious with financial apps and did a lot of research before signing up. You should also research if a subscription is a possibility in your future. 5/5*
Amazing!!!! Helped raise my credit score really quickly like in a matter of months! Super easy to use. Set up autodraft and forget it, I actually did forget it and closed my bank account but it was easy to catch back up with a payment update. Highly recommend!!!!
One of the best, fastest ways to boost your credit in a short amount of time. It took less than half a year of using Kickoff and my credit jumped up over a hundred points. I've showed everyone I know the results with the charts on the app and got them to download it too. Definitely recommend using Kikoff over any other credit builder app, based on my experience. The only thing that makes me use the app less than I would like to is the time it takes to upload funds onto the Kikoff card.
my credit score has gone from a 514 to 533/558 on two different credit lines in 30 days. I'm beyond grateful. When you give a little, you get a little. I plan on upgrading my subscriptions. Just don't default and if you have a problem call them but don't keep missing payments and don't do it if you are not fully motivated. You are in charge of Your own future.
Good customer service, easy credit building at little cost. Easily transfer from your external source at ATM immediately available. Helps you have a low balance just for a certain purchase where Credit Card is required. For example, rental car companies will fraudulently charge you after rental return for items not purchased. Kick off is the only company I have seen that will deny a charge if over your balance. This makes it possible to communicate with rental company before charged.
Overall the service is great, but recently the app just disappeared from my phone with absolutely no way to access it, even though when I check the app store it tells me it's still installed. Can't make heads or tails of it, and it's a real pain to sign in online every time, I really liked that the app had a pin feature which the site doesn't have.
It's alright. The only problem I've noticed is the notification process. Even though, payments have been made. I haven't made a late payment or missed one. It'll continuously warn me about paying late regardless if it has been paid on time or early. It's been going on for 6 months. Called customer service. They say ignore it but it becomes a nuisance over time. Nothing has been done to fix it. May change the rating if it gets fixed.
I signed up for the highest level membership. I've been using Kickoff for about 4 months now. Kickoff claims my credit score increased, but when I checked with the 3 credit companies, my credit hasn't actually changed. You're better off just putting money into a savings account or secured credit card. The only positive thing I can say is Kickoff helped inspire me to understand credit more. The USA credit system is really a stupid idea.
2 stars because it lets you dispute things on your credit, and can help bump your credit up a few points, however, I pay for the premium version. So I can view all 3 of my scores. They're all over 650 on the kickoff app, but unfortunately when talking to finance people about purchasing a new vehicle or a home, my credit score on their end comes up as significantly less. This app might help a bit, but very misleading, and the changes take months to years to take place.
I just encourage anyone who believes that their credit score has actually raised at all to just go to Experian, Equifax, ect. to see if it is reflected there when this site says it has . I have raised my score significantly only to find out after paying for this so called "loan " that the score is not the credit score that banks and finance company's use. It's something different. It's your Andvantage 3.0 Score, which I have yet to find anyone who uses it in reference to credit score
Wish less than 1 star was possible. I've been fighting with the powers to be about fixing, helping me get access to my account. They continue to take my money but I can't access the account. And they're not helping. To this date have not had any luck accessing my account from this flimsy flam app. Did everything they want but the software they use couldn't tell the difference between a human and a gold fish. Still haven't received any help. Worst app and thieves you'll ever find.
I saw that KikOff had a lot of users with a lot of great feedback. So I signed up. After signing up and giving them my email and creating a password, that was it. The next page asked you for your Name, Middle name, and Last name. I can't type no more then 2 letters in each box. Something is wrong with this apps sign up process. Because of that, they are getting a 1 star review. If it gets fixed and I am actually able to sign up and use KikOff, I would be inclined to update my review.
So far, my credit score went up twice to a 720 and within 1 week dropped to 121 pts. I've paid off all my cc's and the only thing that happened between that time was my bank card expiring, and I literally couldn't get into the app when trying to update it. Now, when trying to log in and pay off my account it keeps asking me to update the app. It hasn't allowed me to. I've been trying to contact someone regarding this issue but it hasn't been easy. Can help please be easier ?
Worst app ever. I had the app for a year and it made me think my score was going up and up! It was high enough to get approved by credit cards but I kept getting denied. Weird, right? Then I get my credit report from the three major credit companies... My credit was the same as when I started. No improvement. I immediately closed my kickoff account. Then my credit went down more! This is a huge scam!!! Took my money and made my credit worse. Do not recommend ever.
They claim to help but beware! I opened a debit & secured credit acct 3 yrs ago or so. Much to my disappointment, I found the credit card was limited to Kikoff's "store" for reading materials. Not to buy gas, groceries, etc. ... I cancelled & was told it may hurt my score, but they continued to charge me monthly until closing the account for "missed payments", and now say I owe $195 & refuse to correct it. FIX YOUR MISTAKE KIKOFF!!!
Don't use this company, if you close your account, they won't automatically send your savings deposit back to your account. I had my account closed for a nearly a year & had $120.00 in savings built up in it, I found out by a email reminding me not to let my savings go to waste, first I went to withdraw it & the page errored, I had to contact support tried to tell me it was a mistake on their part in the email & I only had $20 dollars, my account was open for 3 years so that doesn't seem likely.
Since this is a credit "credit building" app. Why not add a feature that if the payment doesn't go through, it cancels the subscription? I was in the hospital for 4 months, and since I didn't notice the payments weren't being paid, all of the progress I made this year has gone down the drain. If you can't make the payments, they'll keep billing and billing. then, once you've built up enough debt, they charge it off and report it to your credit.
When you want to cancel they threaten your to lower your credit so that's something to think hard about before you try it. It's secured credit meaning you've got to have the money in there before you can use it so it's one more monthly bill. It's only $5 minimum so if you're needing to save and having a hard time doing it this might be ok for you but if you need the money now then probably not ok for you.
It worked great when I first tried it, but then they locked me out of my account. When I try to login with my phone number, the only option it gives me, it says it is registered to another user and to try again. I only have one number and it's on my account with them. Now they are reporting on my credit. An app that was supposed to help me repair my credit is actually making it worse. DON'T USE THIS APP IF YOU ACTUALLY HOPE TO RAISE YOUR CREDIT SCORE!!!
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