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Anyway, I definitely recommend using Kikoff and I’m beyond happy I took a leap of faith.Once Upon A Shoe, a new women’s shoe boutique, is scheduled to open next month at 8206 N. I’m pretty sure my lower score is like that because all information isn’t reported to them yet. I went from having a 526 with both bureaus to now having a 576- Transunion and 641- Equifax. Although my Transunion score isn’t as high as my Equifax it’s still rising as we speak. They stuck to their word, my credit score jumped +97 points in 2 months. I had nothing to lose at this point so I signed up with Kikoff. Even though I was much more responsible now, they don’t go off of your word with bad credit. My credit was sitting stagnant and I knew credit card companies would never take the chance on me. 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 something that weighed very heavy on my mind since getting clean. It’s been life changing for our family!Īfter years of destructing my credit while being in active addiction, I didn’t know how I was going to ever get ahead.
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I recommend this to anyone looking to establish your credit for the first time or to re-establish your credit after making bad decisions or having a financial crisis that was beyond your control. $2/ month is the payment for your Kikoff account and they even offer a secondary account in addition to the original account to help even more and that is a credit builder savings program that is $10/mo that will help your score even more. I signed up 2 months ago and in just 2 months, my credit has jumped 79 points and I just got my first unsecured credit card with a major bank. I signed up for Kikoff for my husband a year ago and his credit went from a 503 to the high 700s because Kikoff gave him the start he needed to qualify for other banks products. I am now in a very good situation financially so I want to start building good credit history for the sole purpose of being able to help my children go to college if loans are necessary. It’s hard to re-establish yourself if you have no credit or if you have years of bad and irresponsible spending habits like I did. Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.Īfter years of laying off my credit to allow all the negative accounts to fall off, I was left with zero credit history.
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You have the option to put your credit building on autopilot by turning on AutoPay – that’s right, no heavy lifting required from you after account setup. We report those payments to the credit bureaus every month while your utilization rate stays low (like 8% low).ģ. You make a purchase in the Kikoff store with that credit line, and you just pay back what you spend (our lowest + most popular payment amount is $5/month).
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We set up a credit account for you and report it as a $750 credit line.Ģ. Each on-time payment builds payment history, which helps your credit score! Whether you have a low credit score or no credit score, we make it easy and worry-free – no credit check required and it only takes a few minutes to apply.ġ. You’ll get a credit line reported to Equifax and Experian every month. Purchase the credit building service for just $5/month (with no additional fees or interest – yes, really). If you’re ready to build your credit, Kikoff is the easiest way to do it.