Kikoff – Build Credit Quickly

• Free

Last verified 30 Aug 2026

• Free to download

Last verified 31 Aug 2026

4.9 266036 ratings · App Store

1. 5/5Credit score increased 102 points in 8 months

   I 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.

   cmcneal123 · 30 Aug 2026

2. 5/5Best 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.

   Foolubugly · 30 Aug 2026

3. 3/5It CAN BE YOUR SAVING GRACE,& WORSE NIGHTMARE

   This 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 Redd · 30 Aug 2026

4. 3/5So far it has done nothing for me

   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?

   Mariv2568 · 31 Jul 2026

5. 1/5DONT USE THEM!!!

   Let me first add that I have never had a delinquent payment lack of payment or any derogatory mark on my credit. I my only negative on my credit is history. I don’t have a long one. I have maybe 5 years worth of credit. So I just wanted to bulk up my credit. Long story short I had to replace my debit card because it was lost. So I never updated this cause I felt like I no longer needed it. I thought just like most subscriptions lack of payment would cause it to close.. Not with these guys. Even though they have never extended a dollar in credit to me. They will continue to report on your credit for months until you close the account of which they make the button to cancel the account impossible to find.. so while continuing to report on your credit, they will show your payments as late or delinquent. Once I found this out, I had to track down a number to contact them and they told me I owed them $140 for the past few months and even if I paid it, it would still show up as late. So they hold your credit score ransom for money. These people are blackmailers. Do not use them. They call it a subscription service but most subscriptions end with lack of payment. These people are criminal. My credit score has now tanked over 80+ points. I have since closed the account, it shows I owe a zero balance, but it still shows that I was late on my payments. Absolutely disgusting.

   Ｌｂｓｔｒｉｋｅｓａｇａｉｎ · 30 Aug 2026

4.8 130748 ratings · Google Play

1. 5/5

   love it!!!!

   Jamie Long · 1 Aug 2026

2. 5/5

   Kikoff really helped me with my credit score a lot

   Derrick Dugas · 1 Aug 2026

3. 5/5

   really works

   Marjory Hattabaugh · 1 Aug 2026

4. 5/5

   kickoff is great

   Calixte Georges · 1 Aug 2026

5. 5/5

   I start my account in January 2026 with a 300 credit score it's now in the 700's I tell everybody about kikoff Best money ive spent in a long time

   amy mccaslin · 1 Aug 2026

Privacy

Accessibility

No accessibility labels collected yet.

Privacy

Accessibility

No accessibility labels collected yet.

• 1.177.3016 · 28 Jul 2026
• 1.181.3223 · 26 Aug 2026