Kikoff alternatives

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

1. [R10] Kikoff 1/5 · US Misleading add: The add makes it sound like a loan. It’s not. It’s a monthly charge to help build credit. You will not receive any money. You’d think they’d tell you that part in the add.
2. [R14] Kikoff 1/5 · US Misleading adds: I downloaded it thinking it was for a loan because that’s what the adds would lead you to believe. Although that is an option, you have to pay a fee to even use the app. It offered me a very small loan around $100 in a year if I made payments on time before I actually received any services! It’s a scam 💯
3. [R18] Kikoff 1/5 · US Absolute scam: They advertise themselves as a line of credit with low monthly payments but the credit line doesn't exist. They argue with you about trying to cancel as well
4. [R26] Kikoff 1/5 · US Scam: Site is fraudulent. As soon as I signed up I was unable to access the site. Already went to a black screen. There is NO credit given as you’re meant to believe. Apparently you can buy books only through their website. YOU DO NOT GET A CREDIT LINE THAT IS USEFUL. Totally misleading
5. [R3] Kikoff 3/5 · US Not working: The app isn’t working for my phone
6. [R7] Kikoff 1/5 · US Not working.: App froze. Can only log in using browser.
7. [R9] Kikoff 3/5 · US Tlux: I’ve been using the app for a few weeks now without issue. I saw there was an update, so I updated, and now it doesn’t work. I was going to delete it and reinstall, but it says i’ll lose all my data. I have money in this app! What can I do?
8. [R25] Kikoff 5/5 · US Wow: It sounds like a great opportunity and like it has helped a lot of people. I was concerned it was gonna help me too but I can’t even complete sign up it won’t let me put my phone number in😩
9. [R6] Kikoff 3/5 · US Not 100% accurate: I’m writing this in hope that I’m wrong in the future but as for now it shows I’m up 113 my score on KO is 652 on 2 and 618 on 1, but on the actual app for those credit bureaus it’s showing 580 and lower so I’m not 100% sure if it’s just a time issue or what
10. [R34] Kikoff 1/5 · US Absolute worst: This is the worst credit app I have ever seen. They literally manipulate your credit score in the app for different reasons. In other words all three credit scores will be different from your in the app. If you’re late on your payment they will put negative marks when all the other ones do not. They are also the last to upgrade your score when every other ones have. They are a joke
11. [R41] Kikoff 4/5 · US Great credit builder, HOWEVER: Been using this for about 5 months. It does build your credit, however it will show you an inaccurate score ranging between 40-60 points higher than your actual score.
12. [R42] Kikoff 1/5 · US MID 2 1/2: I haven’t checked my credit in two months downloaded Experian and my credit has not moved at all. Kickoff is misleading.
13. [R1] Kikoff 1/5 · US Beware: I was charged for premium and wasn't able to use the function. And regarding referrals, they never pay you. And if you talk to them, they only go out of their way to deny it and basically say 'screw you.
14. [R12] Kikoff 1/5 · US Terrible Scamful App: App forced me into upgrading even I avoided confirming it on the screen. Customer service didn't allow me to downgrade without paying the forced upgrade charge. Just use their competitor Self, unless you want your account upgraded without consent.
15. [R22] Kikoff 1/5 · US Worst mistake: Worst mistake I ever made. They charged me $20 a month said I had a credit card with them for $2000 and when I questioned it now my credit has dropped 70 points I don’t have a credit card with them have never had a credit card with them and they refuse to talk with me to try to get this straightened out
16. [R38] Kikoff 1/5 · US They suck: Kikoff refuses to accept my way to verify my address. I am a veteran who just got out of the marine corps. I have been trying to get ahold of them but no live agent will speak to me. Do not use this app. I have no phone or internet bill on paper everything is online because I just moved my drivers license has my address but apparently that’s not enough they are not helpful at all and th
17. [R4] Kikoff 1/5 · US Don’t do it!: At first I was impressed. My score went up 28 after the initial dip from opening a new credit account. I paid $30 a month for almost 2 years. But then I changed jobs and was unable to make the payments. I paused my account to delay payments until I was able to get back on track but they only allow 90 days. At that point if you can’t resume payments they report to your credit as delin
18. [R16] Kikoff 1/5 · US DO NOT USE: If you have poor credit, DO NOT USE THIS APP. If you at any point decide you want to stop using it will show up on your credit report as closed and negatively affect your score. My score went down over one hundred points using this app. Now I’m in worse luck than I was. It’s a scam DO NOT waste your money.
19. [R20] Kikoff 1/5 · US Don’t fall for the okie dook run don’t use them: The the one who will mess you credit up they have like 6 different plans and it’s confusing to the one that your on of you miss a payment the will ruin your credit like they did mine they are not helpful at all.
20. [R30] Kikoff 1/5 · US They did not help with my credit they make worse: They did not help with my credit they make worse
21. [R51] Intuit Credit Karma 2/5 · US Dang!!!: I mean, why do I need 3 updates per day?!? I don’t!!! I just turned off notifications and if that doesn’t work, I’ll delete the app!!!
22. [R52] Intuit Credit Karma 5/5 · US Credit Karma is the best: I love this app it helps me so much and it’s free !! I can see my scores save money ,have money in this bank , make taxes !!they help you with ideas on paying your debts everything and free ♥️🥺
23. [R53] Intuit Credit Karma 3/5 · US Israeli Banks & Manual Debt: Please add Israeli banks to the app. Also, please add the ability to manually track credit cards and other types of debt like the Empower Personal Capital app allows for so that credit cards that are not supported by Credit Karma can still be tracked by users.
24. [R54] Intuit Credit Karma 1/5 · US Lu6500: I have been trying to to to open a Spending account for years since you all had this it keeps telling me me for years they can’t verify who I am , an don’t understand I have a credit card karma account with you all so why they can’t verify me for a spending account every time I check this it’s been saying they can’t verify same thing for years still not fixed! I have talked to customer ser
25. [R65] Experian® 1/5 · US Scam app: Foolish app actually sent me a notification saying my credit score had improved just to get me to sign in. It hadn’t improved. That’s wild for a company that tracks finances. Should’ve been professional.
26. [R66] Experian® 5/5 · US Excellent: Excellent
27. [R67] Experian® 3/5 · US Okay: The app is OK. I just don’t like the fact that I can’t log into my account. If I decide I don’t wanna continue to pay for the membership anymore. It won’t allow me to login without paying which is ridiculous to me.
28. [R68] Experian® 1/5 · US Terrible Service, No Humans, any error on their end never gets fixed.: They use an AI agent and have no way of contacting an actual human being. If the issue is on their end it will never be fixed. This has made the app completely useless.
29. [R79] Self 1/5 · US Not happy: Can’t see my credit score which makes me want to end my contract
30. [R80] Self 5/5 · US Top notch crew: Iv always received the best help when I have questions or there is a problem.
31. [R81] Self 3/5 · US Keep looking: They are great for building credit. They will harass you to get their overly high interest rate credit card. You get raped to use your own money. The cash advance is nice, however, don’t get used to being able to borrow the same amount. You can have the same pay every month, the same bills every month, and the same spending every month. They will still lower the amount that you can b
32. [R82] Self 1/5 · US If I could give 0 stars, i WOULD!!!: Rashan from customer service sucks. He didn’t help at all and doesn’t understand his own company. A complete scam, never get involved with these losers.
33. [R93] Capital One CreditWise 1/5 · US Not user friendly: Tried repeatedly to open account because site stated I already had an account. Went through several different steps to change password and wanted to update email. None of which worked.
34. [R94] Capital One CreditWise 5/5 · US Good: They’re pretty good I’m satisfied with them
35. [R95] Capital One CreditWise 3/5 · US Score activity needs work: I don’t mind credit rating feedback but to look at a bunch of thumbs down because activity increased on a credit card is ridiculous.
36. [R96] Capital One CreditWise 2/5 · US Not impressed: App won’t load and sends emails about my credit score going up 15 but only went up 2. Then when I do try to open the app, it won’t load and kicks me off the app. Terrible app
37. [R107] Bright 1/5 · US Scam: They will continue to charge you even if you close the account
38. [R108] Bright 5/5 · US Ok thus far no money yet: but like it so far will update if I get money
39. [R109] Bright 1/5 · US Don’t trust they will take your money: You won’t get any money help and they will charge you before you know it
40. [R110] Bright 5/5 · US I don’t know yet: My credit did go up one point lol