Kikoff - Build Credit Quickly

I used a different app in the past. This was easier at $5 per month and cheaper to build credit. I didn't mind that the credit could only be used in their store because it keeps you from spending, thus adding to your credit. It did help me build credit over a years time. I dropped it to 3 stars because it is an absolute nightmare to get your money out for the loan part. The hoops you have to jump through to get your own money is insane. I won't use that part again, unfortunately.

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!!!

This is a scam app! You pay them to shop within their store and they say you shopped there and paid the bill. It doesn't raise your credit score and when you call customer service they are people that you can't understand. When I asked to speak with someone who could speak better so that I could understand what my money was used for during my six months with them, they told me to call back later! When the guy was explaining it he said there is no guarantee, the money is for the app and store.

This app has done more to damage my credit than to aid it. I originally signed up for the program where I would recieve my payments back at the end of the pay period, but somehow signed up for a 30/m program which is just a subscription to build credit. So you pay them out of pocket for nothing in return but a small credit bump, something you can get from finnacing an item of value to you. I never recieved a refund, would be 1 star if not for the customer service to help end my subscription.

This app doesn't do a good job of explaining what it does. It gives you a fake credit line that they report to the credit bureaus. They also offer identity insurance, access to soft credit reports from all 3 bureaus, and a secured credit builder account. I think they also offer a bank account, but I haven't checked in a while. They also offer savings credit builders for like $10/month that you pay on for 12 months and they give you back the money. This is not a credit card, though.