good

Kikoff – Build Credit Quickly | unitQ Score

The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues

2 Points Past 30 Days

Category: Finance

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30-Day Trend

Poor

Fair

Good

Epic

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Android unitQ Score

Android User Feedback

85%

Android
370 Reports

iOS unitQ Score

iOS User Feedback

15%

iOS
65 Reports

User Feedback

15%

iOS
65 Reports

85%

Android
370 Reports

Kikoff – Build Credit Quickly - Latest Quality Issues

iOS

Mar 30, 2025

Waste of time.

Saw an ad on tiktok and one on YouTube, both of which NEVER mentioned the credit line can only be used on their store, which to me is useless. Was super excited to have a good line of credit with good payments that I wouldn't have a problem paying, just to find out you can't actually use it for anything you need. Both ads made it seem like you were getting this line of credit that you could use anywhere. How funny it was when I closed my account that the first “what was your reason for closing” was “can't use credit line anywhere” which tells you that plenty of other people have fallen for this as well. Feels really scummy and like they intentionally market it like this. Cancelled and deleted immediately.

iOS

Mar 30, 2025

The wrecked my credit

Since I canceled now it says on my credit report I owe them $315. They wrecked my credit and brought it down then up! STAY AWAY!!

Android

Mar 31, 2025

I always get a update app error msg! and my credit dropped 20 points!!

Android

Mar 31, 2025

closed account still reporting as a mids4d payment on my credit report.

iOS

Mar 31, 2025

Warning DO NOT USE

This app is a complete ripoff and should be banned, I was tricked into paying 35 dollars a month in what I believed to be a credit builder loan that you get your money back, you don't get your money back, on top of that I was literally charged fees to make payments to this fraudulent loan and my bank account was over drawn several times because of there shady practice. Do your self a favor and just get a secure credit card, where you can actually use your funds and there's not a 35 dollar fee

Android

Mar 31, 2025

I realized after going in credit Karma to check my real scores, what kikoff tells you and what is reality are 2 totally different scores. TransUnion didn't have any record of any loans or anything from kikoff at all and my score was 50 points lower than what kikoff was saying. It's definitely a scam. Do not give them any money!!

Android

Apr 1, 2025

I put in my email address, it said it could not verify my identity. not even giving me any kind of opportunity. no other app has a problem verifying me. I have been rebuilding my credit. This takes time, and I'm up to 629. with a boost I can be over 675 potentially. guess I'm not special enough for your app.

Android

Apr 1, 2025

no clue who these people are or how they got my email address but they won't stop emailing. they want me to access my account which I don't have. I've tried to get help but none seems to be available unless you download the app. scammers

Android

Apr 2, 2025

Ads are very misleading. It is NOT a line of credit/loan at all. You pay monthly fee for them to help improve credit score- thats all. Seems like a total scam to me.

Kikoff – Build Credit Quickly - Product Description

If you’re ready to build your credit, Kikoff is the fastest, smartest, and easiest way to do it. 

Purchase the Kikoff plan for just $5/month (with no additional fees or interest – yes, really). You’ll get a credit line reported to Equifax and Experian every month. 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.

How it works:
1. We lower your credit utilization with a $750 credit line. 

2. 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). We report those payments to the credit bureaus every month while your utilization rate stays low (like 8% low).

3. 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.

Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.

Want to improve your unitQ Score by 20% within 30 days?

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