topic Re: Kikoff Credit Line in Personal Finance

Kikoff Credit Line

Anonymous — Mon, 14 Jun 2021 23:21:36 GMT

Does anyone have experience with Kikoff? It's a line of credit that's supposed to help build up your credit profile. It doesn't have a credit check so I'm not sure how legit it is.

Here's the link: https://kikoff.com/

Re: Kikoff Credit Line

Papa_Bear — Tue, 15 Jun 2021 05:40:54 GMT

DW had the loan product with them. It worked great until EQ dropped the tradeline because it was a $12 "loan." Still reported to EX with no issues. DW never got the credit line since she's gotten better cards, but never had any real issues with them at all.

Re: Kikoff Credit Line

OmarGB9 — Wed, 16 Jun 2021 03:46:25 GMT

I think lenders are starting to catch on to these types of things, such as MJC. Not saying this is as shady, but then a $12 "loan" isn't much of a loan.

Re: Kikoff Credit Line

Jshepherd04 — Thu, 17 Jun 2021 04:42:58 GMT

I'm still new to the Credit game but I did get Kikoff when I started my rebuild earlier this year. I've attached screenshots of how it reports on my report.

Re: Kikoff Credit Line

citymunky — Fri, 04 Feb 2022 21:28:14 GMT

Sorry for bringing this topic back from the dead, but its the youngest tread on Kikoff.

My goal of this account was to replace my Self account, but it started to report on my EX profile as revolving credit instead of a installment loan. Since this is now the case, I plan on deploy the AZEO method and using KikOff as the tradeline that reports a balance.

I will report back once it hits my TU and keep a look out for EQ.

Re: Kikoff Credit Line

Jshepherd04 — Wed, 16 Feb 2022 21:35:02 GMT

@citymunky wrote:
Sorry for bringing this topic back from the dead, but its the youngest tread on Kikoff.

My goal of this account was to replace my Self account, but it started to report on my EX profile as revolving credit instead of a installment loan. Since this is now the case, I plan on deploy the AZEO method and using KikOff as the tradeline that reports a balance.

I will report back once it hits my TU and keep a look out for EQ.

@citymunkyMy post in this thread above yours will show how Kikoff reports for me. It only reports to EX and EQ for me and not to TU and also just as yours reports as a revolving account helping with overall utilization. I had Self for a while last year and didn't really notice a differance personally as I already had an installment loan with my student loans, and now have an auto loan. So I do not really need another installment loan as Self is. Hope this information helps on Kikoff and have a good day.