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.
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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
