kikoff.com

I see most people have a good experience, so this review isn't to deter anyone from trying or using

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.

Date of experience: Feb 20, 2026