You pretty much lose all your money and… You pretty much lose all your money and you won't get a dime back. Also my score didn't change for a year and I've been make $20 payment every month without being late. Also when you close your account they made my credit score drop 26 points. What a pathetic money hungry company.

Thank you for everything I really… Thank you for everything I really appreciate all of the help. I was surprised that this actually worked. Now I can focus on maintaining a better credit score without having too many credit cards!

KEEP YOUR 5 DOLLAS Don't waste your $5 it's not a real credit card the only thing you can spend the money on is their store which is books on how to use credit . There are so many other apps you can use for free to get your credit score higher which I actually did a couple days ago with DOVLY my credit score has gone up in 3 days .Kickoff is a joke. DON'T WASTE YOUR TIME OR YOUR MONEY THEY MAKE IT LOOK LIKE YOU'RE GETTING A CREDIT LINE OF $700 PLUS DOLLARS BUT YOU ARE NOT 100% ARE NOT!!! THEY ARE JUST MAKING MONEY OFF OF PEOPLE BECAUSE WE DON'T READ THE SMALL PRINT

Slow to report good paying habits It has actually took my credit up a little, the reason I gave a 4 not a five, almost gave a 3, after 6 months of paying, I had to call or text don't remember to have kickoff to let the credit agencies of my continously paying them. Kickoff also didn't give my credit amount with them, which probably would have brought my credit more. I renewed my kickoff once, but probably won't again. If kickoff reported better, I probably would renew my prescription with them. Their credit reporting isn't good, although I feel if I missed my payment it would be reported sooner.

Truly great for anyone looking to establish credit I have been using Kikoff for 6 months now and my credit score has jumped well over 100 points it is so simple to use and at only $5 a month is super affordable. I would highly recommend this for anyone looking to repair their credit.