These are all fake five star and four star reviews These companies come in and write their own reviews through lots of different ways, but it's total garbage company. I fell for it. Admittedly. Now I have three accounts. I've been emailing these people in Indonesia for a month. They send me form letters different people. Every time I speak to them no one can give me accurate information And the last email the other day said that I had three accounts with them. Somehow they're showing me 90 days past due. Just dropped my credit 30 points. I cannot access this account to pay whatever they're talking about. They said they closed my account in March. It doesn't show up on any of my credit reports except for TransUnion but with ax says everything's perfect. I'm so sick of dealing with these shady known backdoor payday loan companies. They will shaft you, And somebody just let them do it. That's why they get away with it but this person will not. I will be pursuing this to the end and I will as I have with Cecil get back every dime and every single one of them financial harms done to me. It is a long game but I've done it before. Don't let these garbage companies steal from you. It takes effort but You got some self-respect you got to do it because this is the direction all of these companies are going. You're never going to talk to a live person again if you don't start standing up for ourselves.

Credit Buider Ever since I signed up with Kikoff it has been a slow yet steady credit builder and when this round is done I'm going to double it and maybe add a second account to fulfill it's a simple easy way to restore your credit I'm really happy with Kikoff

Poor Communication Accepted my application on the course but then failed to inform me that my address was not in a funded area. My area was not listed on the government website as not being available for funding. No communication from the company.

My Kikoff experience I’ve just recently started using Kikoff in august of 2022, and I can’t say anything bad my credit has increased tremendously in these past few months. I am a 100% satisfied. Thanx Kikoff

BEST ONE SO FAR Honestly, it's easy to navigate, sends you an actual credit card that you can put money into and report to the bureaus. THEY REPORT RENT every month! THEY HAVE A NUMBER TO CALL in case there is a problem. BEATS the StellarFi SCAM.