Review Time
I see most people have a good experience, so this review isn't to deter anyone from trying or using them, it's just my personal experience.
I didn't really understand how to use it and thought it was something you make payments to and they report those payments as tied to a certain amount, I think it was 1200 or 2500 or something, I can't remember, it's been a while. I thought if I make the payments they report, and if I don't they just stop reporting, since they weren't actually lending me anything. I have never did anything other than make payments to them.
I had it set up for auto-pay, but the payment days were rarely consistent and some days I wouldn't have the funds available. It was always all over the place, and that was confusing. I turned off auto-pay, and I literally had one payment left out of the amount I had agreed to pay for them reporting. After turning off auto-pay I forgot about the account. My fault, but today, when I checked my credit report I see I have a negative inclusion from Kikoff, but it says I owe $60, and my payments were only $20.
While I was using their service I had to call them multiple times because they would charge me twice for the same month, and then explain that it was actually from a previous month that didn't go through, even though my bank account would show the amount taken. They refunded me twice because of that. My complaint is more so about the inaccuracies and inconsistencies based on what I went through with them. I'm a little surprised to see it on my report, but more surprised to see that they charged me an extra $40. I can't say it's a scam, it's just confusing and that's all I got while using them, confusion. Ironically I used their service to improve my credit, and they are literally the only negative thing I have on there, lol. It is what it is.
I signed up for a cash advance, but was informed that I wouldn't qualify, leading me to cancel on the same day. Since then, my credit has been negatively impacted. They enrolled me in a credit builder account that requires payments but offers no benefits. Despite my complaints, my credit score has dropped by 65 points over nine months because I refuse to fund this useless account. It seems the credit bureaus might be in collusion with them, as they continue to report negatively. I strongly advise against using this service; they are manipulative and predatory. Protect your finances and be cautious about what you agree to.
Claim your business profile now and gain access to all features and respond to customer reviews.
Kikoff is a personal finance platform that expands access to credit and financial services, helping people build credit quickly and work toward long-term financial health. Founded by a team with personal experience navigating the challenges of credit access, Kikoff is committed to creating fair, effective tools that support real financial progress. Designed to rethink the traditional hurdles of credit building, Kikoff opens a path to get started in minutes - with no credit check. Headquartered in San Francisco, Kikoff is a licensed lender and uses bank-level encryption to protect customer data. Learn more at Kikoff.com or by downloading the Kikoff app.See more
www.bitwage.com
fundbox.com
mettle.co.uk
barclaycard.co.uk
liberty.com.au
retirementhomesearch.co.uk
jome.com
discovery.co.za
stptrading.io
doddlecover.com
