Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
User consensusAlternativesIs it worth it?
Is it worth paying for

Kikoff

65
Value score / 100 Worth paying? Depends It depends

Kikoff can be effective for building credit quickly, but users should be aware of potentially misleading advertising, issues with score accuracy compared to actual bureaus, and negative impacts on credit if payments are missed or the account is closed.

Free to download seen up to $4000 4.9★ lifetime (255,543) since 2021

Kikoff is an app designed to help users build credit, with many reporting significant score increases within months R19. However, some users experience app malfunctions, misleading advertisements about loans, and discrepancies between Kikoff's reported score and actual credit bureau scores R10R52R103. There are also concerns about negative credit reporting if payments are missed or accounts are canceled R5R20.

Free vs paid

The reviews indicate that Kikoff offers a service to build credit, with many users paying a monthly fee for this service R5R10R13R25. Some users specifically mention paying $35 a month for access to all three credit bureaus and debt negotiation features R13. There are also mentions of a $20 a month plan R25R61 and a $5 plan R61. The app is advertised as a credit builder, but some users were misled into thinking it was for a loan or a usable line of credit R10R18R28R79. The 'credit line' offered is often described as only for books or digital currency within their store, not for general use R28R79. Some users report being charged for premium features they couldn't use or being forced into upgrades R1R16R150.

Value complaints

  • Users report being charged for premium features they couldn't use or were forced into, and customer service was unhelpful.R1R16R150
  • Many users felt misled by advertisements suggesting Kikoff provides a loan or a usable line of credit, only to find it's a monthly charge for credit building that doesn't provide accessible funds.R10R18R28R79
  • Canceling the service or missing payments can lead to negative reporting on credit, sometimes causing scores to drop significantly.R5R20R24R92
  • Some users found the monthly fees to be expensive for the value received, especially when compared to competitors.R26R95R119
  • There are complaints about billing issues, such as being charged for a higher plan after downgrading or being charged after canceling.R61R100R131

Where it delivers

  • Many users report significant and rapid increases in their credit scores, with some seeing jumps of 28, 50, 90, 100, 124, or even 127 points within a few months to a year.R5R12R19R23
  • The app is praised for being easy to use and helpful for those looking to take control of their credit or start building it.R2R4R7R13
  • Kikoff is seen as a cost-effective alternative to traditional credit repair companies, with some users noting it does automatically what they paid hundreds for previously.R103
  • The app offers features like credit line, credit builder loan, and bill/rent reporting, which contribute to credit improvement.R59R68
Worth paying if

It is worth paying for Kikoff if you are serious about building credit and understand that it is a credit builder service, not a loan provider, and are committed to making consistent, on-time payments R37. It can be particularly helpful for those with bad credit looking to improve their score quickly R12R19R23.

Skip / stay free if

You should skip Kikoff if you are looking for a loan or a usable line of credit for everyday expenses, as the advertised 'credit line' is often not what is expected R10R18R28R79. Also, skip if you are concerned about discrepancies in credit scores reported by Kikoff versus actual credit bureaus R52R103R35R58 or if you anticipate difficulty making consistent payments, as missed payments can negatively impact your credit R5R20R24.

Evidence note: The lifetime rating is very high, but recent negative reviews frequently mention app malfunctions, misleading advertising, and negative credit impacts from canceling or missing payments. The positive reviews often highlight significant score increases, while the negative reviews focus on operational issues and perceived scams. There's a clear split between users who found it effective for credit building and those who felt deceived or experienced technical problems.

Frequently asked

Does Kikoff give you a real loan or line of credit?
No, Kikoff's advertised 'line of credit' is generally not a usable loan or credit line for general spending; it's often described as digital currency for e-books or items within their store R10R18R28R79.
How much does Kikoff cost?
Kikoff has various payment plans, with users mentioning monthly fees of $5, $20, and $35 R5R13R25R61.
Is Kikoff's credit score accurate?
Many users report that the credit score shown within the Kikoff app is often higher, sometimes by 20 to over 100 points, than their actual scores reported by major credit bureaus like Experian or used by lenders R52R103R35R58.
What happens if I miss a payment or cancel Kikoff?
Missing payments or canceling your Kikoff account can negatively impact your credit score, with some users reporting significant drops of 45 to over 100 points and delinquent marks on their credit reports R5R20R24R92.
Does Kikoff work for building credit?
Yes, many users report that Kikoff successfully helped them build their credit, with some seeing score increases of 50 to over 120 points within months R12R19R23R37.

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. [R1] 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.
  2. [R16] 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.
  3. [R150] 1/5 · US Started off ok but they stopped reporting: Been paying monthly for about 6 months and for the first couple months they reported to the credit bureau but apparently it stopped not long after I opened the account, update they report more but it upgraded my account without my approval and now my yearly payment restarted, I tried to call and get help but nothing they can do
  4. [R10] 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.
  5. [R18] 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 💯
  6. [R28] 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
  7. [R79] 2/5 · US Misleading: It’s a great tool for people trying to start up and build their credit, but the advertisement is completely false. The credit is literally just for books from their store.
  8. [R5] 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
  9. [R20] 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.
  10. [R24] 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.
  11. [R92] 1/5 · US Scam: Canceled my membership and dropped my credit 45 points
  12. [R26] 1/5 · US Not worth: You are just paying them a monthly fee to give you a “fake” account to report on. Better off just getting a secured card.
  13. [R95] 1/5 · US Credit Report Scam: Don’t open up a credit account and pay $35 a month and expect to get your money back, like Self and Creditstrong. $35 a month just to report. Save your money and use the others, they report to all 3 and you get the majority of your money back.
  14. [R119] 1/5 · US No real benefits: This feels so fraudulent no real benefits besides “credit reporting” you’re just taking peoples money. And then if a payment is not made the alerts feel threatening. No real benefits. Other services like Self allow a credit card or other services offer a credit line you can access once fully paid off. I actually would like all my payments refunded.
  15. [R61] 1/5 · US Billing problems: My statement was due in the 23 I downgraded from the 20 dollar plan to the 5 on the 29 the first of the next month I got charged 20 dollars. But I was downgraded inmediatly to the 5 dolar plan. So to make it quick they charge me 20 dollar for only one week of the plan and they did reduce ni utilization the same 29 when I did the downgrade but STILL charge me the 20 dollars.
  16. [R100] 1/5 · US Me están robando dinero!!: Yo cancelé la suscripción porque realmente no muestra realmente cuánto crédito tengo y mejor los cancelé pero aún así me están cobrando!! Ladrones!!
  17. [R131] 1/5 · US Rip off: I had no idea that this app was going to hit my Apple ID for such a large charge. It has not been anything but a lot of big colors and big writing. I never gave these people permission, charging me money of any sort. The quicker I get away from these people the better off I will be because I do not have money to spend on something so frivolous.
  18. [R12] 5/5 · US It works: Score went up 50 points first month thank you Kikoff
  19. [R19] 5/5 · US Credit Raised so Fast!: My credit score went from 605 to almost 700 in just 3 months. It’s worth it!
  20. [R23] 5/5 · US The Best Credit Builder: It’s been so helpful and my credit score went up in less than 30days
  21. [R2] 5/5 · US CREDIT: Awesome App To Check Ur Credit Score Without That Sneaky Monitoring & Excellent App To Help Build Ur Credit Score & Loan Grants 🌟
  22. [R4] 5/5 · US Responsibility: I’m happy because it has put me back in control of everything credit instead of relying on my spouse doing. I could not do anything and especially in an emergency situation. It’s been very helpful to me.
  23. [R7] 5/5 · US Kikoff takes off!!: Awesome application to improve credit easy and use friendly
  24. [R13] 5/5 · US Amazing Credit Building App: I honestly love this app I’m paying the $35 a month plan to get access to all three credit bureaus. It also has helped me to negotiate my debt, soon my credit score should rise. Thanks Kikoff for everything!
  25. [R103] 3/5 · US Great and easy to use: I love how easy this app is to use. I’ve paid credit repair companies hundreds to do what this app does automatically. My only complaint is that the score it shows is misleading. It does not show the score that mortgage or car lenders pull (which is usually much much lower - 100+ pts lower than what Kikoff shows). But it is still a great tool for credit repair.
  26. [R59] 5/5 · US Love it: I’ve been using Kikoff since September 2025 and my score is up almost 100 points! I genuinely cannot believe it. I have the credit line and the credit builder loan they offer. I also opened a secure credit card in February 2026 so that’s also helped.
  27. [R68] 5/5 · US Best app to build credit: Kickoff has been amazing for helping me build my credit! I joined in February 2026 with a credit score of 580, and since then my score has increased by 128 points to 708. I honestly didn’t expect such great results in such a short amount of time. The app is easy to use, the process is simple, and it really works if you’re serious about improving your credit. I’m also usi
  28. [R25] 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
  29. [R52] 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
  30. [R35] 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.
  31. [R58] 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.
  32. [R37] 5/5 · US Kikoff: This is app is fire. My credit score has gone up over 22 points in the last 2 months. It’s worth every penny. Thanks Kikoff

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store