Kikoff Credit Builder: Still Worth It in 2024?
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- Опубліковано 26 вер 2024
- Is KikOff still worth it to build credit in 2024?
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For everyone asking … I signed up with kikoff on June 13th I did the 2500 line and today is July 4th I’m up 29 points from just my kikoff !
Congrats!
They work out of vantage score 3.0 not fico score most people doesn’t use vantage score especially loan companies and apartments for rent neither housing so why bother
where can you use the $2500? can u use the ATM 🏧 or use in department stores
@@honesty2476 no it’s a trade line credit the whole purpose is to make your credit better it’s no actual card. Hope that makes sense
Thanks for sharing your success story!
I did kikoff and kovo and saw a 60+ point increase in the first month, my finance saw 80+ . Not sure what was what but it works.
Just curious what your scores were before the big point increases? Also, did you have messed up credit or are u just building credit from scratch?
Definitely what you want to bring your score up! I gain 86 points in less than a month
Go for the $20 guys you will get the best for your money $5 is ok to start but $20 is going to be more effective
I had them for over a year it went up a lot the first two months then it stopped after that. I went from the 2500 to the new 3500 and it jumped my score up even more. I also did the credit builder loan and I don't feel like it did anything
Can you use this card anywhere?
@@glocksandmore196there is no card at all it’s just a line of trade. The saving you pay for 12 months and get it back. They do have a debit card that will help build credit even more but I never tried it
I seen a increase of 47 points in a month
Hey man could you give a bit more detail on what exactly you’re using on Kikoff. Are you paying $5 a month for the $750 or the $20 a month for the $2500? Or did you go with the credit builder loan option. Let us know.
Which plan did you sign up for?
What plan did you sign up for
I just did the 20 dollar one had 671 an hour ago filed the 5 free disputes it jumped already to 693 no lie but well see well see
That's way faster than a credit card
4:50 i accidentally opened an account today, i thought it would ask to verify before opening atleast, i just checked my credit & it dropped by 17 points....it said no credit checkk... wtf!!!
Scam
Youll be fine credit isnt overnight it will increase it was becuase of the pull they did on ur credit
Fuc@&$k!!! No wayyy!! 🏃🏿➡️🏃🏿➡️🏃🏿➡️🏃🏿➡️
No it's not mines dropped too at first but it increased as I made payments you have to be patient
@@juanspencer1129 yea ik its gonna go back up lol, but i didnt want my credit ran if it literally said no credit check
The down fall is after 12 month of revolving credit 10$ or 35$ a month is not 20$ after 12 month account is closed and that hurts credit also they don’t leave it open
You can choose to leave it open but you will have to continue paying the monthly fee
Closed accounts left in good standing is still a plus. The more accounts in good standing open or closed is a good thing.
Good Ole fingerhut setup lol same stuff basically
That’s what I was thinking, too.
I got a 72 point boost from The App but it took a few months
All the reviews I've seen say that you can't buy anything from the kickoff store
You did great explaining all
i have seen an increase of 69 points in a month
It only increased my score like 2 pts…
I have a $3100 limit on the app, however the app is choppy and kind of weird to use.
Def is, my app doesn’t even show a store lol
Thank you !😊
Good Info! Thanks for the gems!
I’ve been wondering do I need to get the secured card to receive my credit amount ? Or is it being sent to card I had put while signing up? Because it did say money sending to …
I just signed up I picked the 20$ package is that all I need to do.?
Any update on this?
No, you have to purchase the crap that nobody needs on the kickoff store. I hope you like e-books and memberships because that’s all you can buy.
@@jessicakimbrough7700that’s the point. You not going to max out at all because you don’t want nothing from da store
How do you find the store
Online you have to sign in on safari
Wait..Wait I can use he $3,500 I have ? I didn't know I can buy through kickoff
Dont use the money dummy . This isnt a credit card its used to build up your credit. If u cant pay thwn back your are gonna ruin ur credit
Can you sign up with an i-tin number?
I just signed up for the $35 one. What if I pay the full year up front and repeat process? I have multiple charged off accounts and tryna build back up
I was thinking to do the same thing would love to hear an answer to this
That would work to an extent, if you want to do that I’d open a credit strong account (since you can open 2) pay 1 in full up front & leave the other account open making monthly payments. Making monthly payments building payment history is the key but accounts closed in satisfactory is also a plus
Side note: you can only open the second account after 1 or 2 payments on the first opened 4:40 account
you want to have the account as long as you can …
What do you mean you can fan only use tha credit in their store
Scam
@@richardmuirhead3568 sounds like it
Are you able to use the credit line that kickoff offers
Nope. Only thru them… all they sell is e-books and memberships… a bunch of crap I don’t need. I’m not gonna spend money on something that I don’t need just to boost my credit. I found something better actually for two dollars a month I got a secured credit card. I put $500 on the credit card and I’m able to use it anywhere.
Just opened my $5 account when do I get approved for the $750
It was supposed to be automatic
Can you pay your bills through the line of credit they give you? Or is it only purchases like ebooks that you mentioned?
Only e-books and memberships! I hope you need $750 worth of memberships and e-books because that’s all you can buy
@@jessicakimbrough7700what kind of memberships?
Would it be beneficial to have this card and decide not to purchase anything??
For revolving account, you will need to purchase something to keep the account open. Unless you go for the secured credit card.
@@NaamWynnUh oh I've had them for a year and never made a purchase. I thought it was just $5 and didn't realize I needed to buy stuff. I did upgrade to the $20 plan so I'm sure they would be ok with that and not expect me to give them anymore money by buying stuff from their store.
@@NaamWynnI can’t find the one cent deposit it says it put in
People just get a secured credit card. It is the smarter way to go and you can use them anywhere in the world.
The only thing you can buy through them is e-books and memberships. Who in the world needs $750-$2500 worth of memberships and e-books.
I only want the credit builder cash card. Can I do that?
Nope
Do u get the money back after 12 months
If you select the secured loan option
so do they allow you to pay rent with your account
No, just reporting
I pay threw zelle threw my navy federal account
How did you do that because I would think that you would have to have the username of kickoff in order to pay through zelle
All of my credit extra credit is some of them be 123 pts and the other 15pts it's almost totally is almost 800 but my 3 credit is 640 /713 to like than that's a lot I never use credit cards and loanz since age 18 to now at age 30 age
I don't understand
Do you speak English? 😂😂
So I choose the option to pay 20 for 2500 do I get the 2500 once I’m done paying on it ?
Right that what I wanna know
No you guys don’t get that 2500. You are paying for a service. You are laying 20 monthly for a 2500 credit line can show up on your credit report.
So I was paying $20 a month for nothing? You don't get the money back at all.
Whaaaaat???
@elle9604 yes you don't get your money back.
Appreciate *WHITEDUMPS* feeding life changing sauce to the people who trying to make it out keep doing your thing, Big motivation.
I seen an increase of 46 points in a month
Awesome!
Literally, the only thing you can buy with them is e-books and memberships. Who in the world is going to buy $750-$2500 worth of e-books and memberships that is just absolutely ridiculous. The amount of credit line that they assign you really doesn’t make a difference unless you really need that many e-books and memberships I mean come on.
True but they know that, and to build your credit you need to spend less than what you want
I think you missed the ENTIRE point. You are given a high credit limit & access to purchase items within the platform at a very low cost, which in turn keeps your utilization very low.
"IF" The company gave people access to "walmart" as an example can you imagine how much ppl would abuse their line of credit and just be in a bigger mess.
This way at least protects your utilization with them to a certain point.
Thank you, it helped me🤜🤛
Lee Jennifer Johnson Maria Walker Mark
My L.L. takes cash, could I upload a receipt pic??
Goat 🐐🐐🐐video
Can you finally get approved for a personal loan with this ???
Once your credit gets to a respectable level then your loan dreams can come true.