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.

I 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?

I 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.

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.