NO CREDIT? NO PROBLEM! The Ultimate Credit Builder - Kikoff Credit Builder

[@NaamWynn]

⮕ Kikoff 👉🏾 bit.ly/3H9EGRm

[@rlhunter6200]

Late 2019 I was at 515, today I’m at 632 and Kikoff is part of my growth.

[@Eggmanrocks]

where can you use it

[@johnmathew7694]

That's a long time for such little improvement

[@garryb.1334]

​​@@johnmathew7694 This really isn't a stab at the commenter. I was 565 in 2019 and am now at 784. I didn't use any apps. I just made a solid plan and went for it. Now I have 10k worth of credit and am using under 3% of it.

[@patrickhorton4493]

@@johnmathew7694that’s what I said 😮

[@CreativeClipCraft]

I use this, it does actually work. In 2023 it has waaaaaay more features. I started using it when it was a VERY basic app. It raised my credit score significantly.

[@Mika54321]

Yes this is true, Kikoff is very helpful! In 5 months my points grew from low 500 to mid 600! 62 points increase!! 📈

[@2WavyTV]

$5 plan or $20 plan

[@Mika54321]

@@2WavyTV I started off with the $5 plan for the first 2 months and then switched over to the $20 plan

[@aaronsilas3681]

How you go from low 500 to mid 600 ? Off 62 points

[@TrezoStayTact]

@@aaronsilas3681he literally say a “low 500” not exactly 500 points

[@lovelyvictor6693]

Guys kickoff is the truth...I went from high 500s to almost mid 600s in 2 months 😳 I was shooketh.

[@octaviousmillz2864]

Which option did you go with? The $5 or the $20??😮

[@shaunsmith8780]

How much do you pay a month?

[@genereggie4952]

I ain't gon cap, I signed up mid last month, it July's now, my joint already shot up 16 points and I only did the $5

[@Ronald-wx5vk]

​@@genereggie4952seriously bro? Thinking about signing up

[@Gluvkgluvk]

How does it work tho like I know the $20 gets you like $2500 credit line to pay credit card? Or like what?

[@kachonlynch664]

You was the only one who explained everything about Kikoff and broke it down like that 💯

[@LinsadaReviews]

I have kikoff and i love it! It has increased my credit score from the low 500s up to 600s significantly.

[@deathuponusalll]

Nice! How long did it take?

[@ashleighrose8115]

Have you ever tried Chime?! I have them also and I went from high 400s to low 600s! And ur just spending ur own money so no chance of getting caught up in late payments or high interest!

[@ghostmann426]

Kick-off is stupid in my opinion bc they tell you tht you can load money on your card at local allpoint ATM but when you actually go to the ATM it doesn't even give you the option to deposit 😕 apparently you have to transfer funds from your own bank account which takes N additional 5-7 business days.anybody else having this problem?

[@democracysdoomsday7905]

At the end when the everything's paid off closed. Will your money be deposited to you or KICKOFF. I've done a couple of these credit builders like self & another one. Both times money was deposited back. I didn't get anything w/KICKOFF. I

[@stephanieshaw4695]

How is self is it goid?​@@democracysdoomsday7905

[@White.Kaiser]

I just signed up for the 5/monthly for the 12 month plan to see how much my credit will increase I’ll keep you guys updated after couple months

[@jumpshotlucc2286]

bett

[@DAFAWK]

I made a poor choice with Kikoff, i had them and eventually stopped paying and had a past due with some personal reasoning, but as of this month i decided to pay the pass due and continue it, my score was originally in the 600s but dropped to mid-high 400s(around 470 atm) So i hope it will fix my credit in a year or two. My goal is to be in the 720-750 range.

[@ussj4brolli]

I've had kickoff for a while now and never heard of this "store". I've got all 3 reporting options.

[@quan22777]

I’m still trying to figure out where this store is located. Link anyone?

[@LvUhcX]

@@quan22777the store just has books

[@Beanboi2225]

@@quan22777the store is their own membership 😂

[@Christiangrey999]

I love your videos man.. can you do a video on AVA credit builder? Your vids always get a thumbs up from me

[@AlonzoJ-lx7nh]

Thanks bro your are very intelligent eloquent fluently spoken and I was just about to agree with terms to self until I watched your video now I’m a supporter and subscriber forever and I’ll spread the word brother thanks again 💯💯💯

[@NaamWynn]

👍

[@17104mcarter]

What he skipped passed was that if u do the $5 loan they keep your money and your score might not move at all. Then they tell you to not close your account because your score will drop if u do and now that money is gone .. this company ripped me off and didn't raise my score for the money I spent! I damn sure would start the next loan and give them even more free money..this is too good to be true🤬

[@ryanchapman8731]

I’m with you - Kikoff is a crap app. And I wouldn’t recommend it to anyone. Not sure why he is. And their customer service is absolutely HORRIBLE. 1 star.

[@SoCaliSurfer13]

@@ryanchapman8731It because they are paying him to do so, I’m not sure if you caught it but he mentioned that anyone can sign up by just clicking the link in his description. So basically anytime someone uses that like and signs up he gets paid $5.00 and well anyone can do that because on their website it states the exact same thing, refer someone and once they sign up you’ll earn $5.00 for each person. Or they could have paid him a sponsor deal where he just has to promote their product X amount of time and they will pay him X amount of money. And I guess technically hey could be doing both of those at the same time.

[@billyxkid5062]

To be fair, not everyone is gonna have a great experience either some will some won’t

[@Xe54official]

But it helps my credit score from 654 to 690 in less than a month

[@victormeza1664]

This thing really works, i made an account just for the heck of it since i have no credit at all, now 3 months later my credit is 639, and i only pay 5$/mo Don't really understand it but hey it's there

[@middknightblack]

Think of it as a instore credit card. Unfortunately it does not report to TransUnion

[@kashent1017]

Mines 653 n 2 months did same thing jus bc I had no credit it works guys

[@MereHerey]

@@kashent1017wait really?

[@MereHerey]

No way. That’s crazy I’m starting my journey now. Hopefully this works

[@StevenBMason]

What’s up Naam! Thanks for keeping us updated Bro!

[@NaamWynn]

Appreciate it!

[@madebyvirgo2666]

So basically you just buy the plan and it helps improve it automatically

[@NaamWynn]

Essentially

[@phy11isprice81]

Yrd itd true fico 620 to 750 over time...ablr to biy a home as A Senior !

[@a.z.marketingagency]

Just got it today 😢 before watching your video

[@cosmeticsandpurseswithevelyn]

But thete is NO customer Service ONLY email which would be very inconvenient if used as a direct Deposite so I would only use the $5 a month starter to see if the have an option as to when they take those $5 fees out or if we can pay those $5 at our own descretion meaning dates.

[@JosephCross-vv2xf]

There is customer service now and there very helpful and I talked to them the hours are from 6am 6pm P.T.

[@Bluegreenred]

Only in the Kick Off store? Are you serious?

[@pepelepue3521]

How much do you have to spend in the store for Kikoff to report to all 3 credit bureaus?

[@middknightblack]

The credit line does not report to TransUnion and you don't have to use the store at all.

[@Mauriceandcarolyn]

So I understand that this is a credit line on your credit report. Are you able to get a card of some sort to use these funds? If I get the $3500 option, am I able to utilize this? And where can we see the approved stores prior to submitting application?

[@NaamWynn]

No its only for credit line to appear on your report

[@CichlidZ_GodZ]

What happens to the 5 dollars a month once u pay off the 750?

[@DelandaThornton]

You can renew it if you want

[@krystalbbeautiful8569]

@@DelandaThorntondo you get the money back

[@kennethmassey655]

One month with Kikoff credit went from 545-598 in one month.

[@2WavyTV]

You got the $5 plan or $20 plan

[@seancollins6612]

The 5 dollar plan shot me from 547 to 600 in a month,it's legit@@2WavyTV

[@joshuamacias3957]

What did you do

[@PEPPACHICKEN]

​@@seancollins6612I just signed up let's see if it works lol

[@Phillyunreleased267]

@@PEPPACHICKENdid it work ?

[@rainirvana1016]

If I chose the $20/mo, can we change it to like $5/mo after a year?

[@middknightblack]

You can, but that will. Affect your credit score seeing that the reported line will drop from 2.5K to 750.

[@roxyscott1253]

​@@middknightblacknot if you pay off some of your other credit cards and bring the utilization low again. Plus, now with a raised credit, you can get an actual decent credit card and that will lower your utilization just being opened.

[@f15hscale50]

Can you pay your debts/ loans with kikoff, or it just shows whats on your credit, and how you start a savings bucket?

[@ismaeljrmorales3613]

So im doing the 2$ a month and 10$. Credit builder a month. I have to make a purchase with the 2 $ a month every month? Or what should i do to work on my credit

[@dwighttaylor5107]

Thanks always great content

[@NRenee-sk5sf]

Great Video!

[@Ced334]

Does it report the credit line each month when you make the $5 payment?.. Or do you have to buy something with the credit line first?

[@middknightblack]

you don't have to to use anything in the Kikoff store at all $5 a month for 750 Credit line and keep it going for life. I recommend opening the account on 24,25,26,or 27 of any given month Note: as of writing this to you. The Credit line does not report to TransUnion

[@user-if5jv1fp2e]

@@middknightblackit does report to TransUnion according to their website

[@nlhernandez39]

@@middknightblack do they give that $5/month back to u or is that paying for service?

[@gmoney797]

@@nlhernandez39 You get a 750$ credit line with the 5$ a month service. They put a balance on the card that is equal to your month payment multiplied by the 12 months of service, so $60. Each month you pay it lowers the balance and there is no interest so after the first payment your balance will be $55. After the 5th payment it'll be $35 now and so on until the year is up. This shows low utilization and lowers your overall utilization, which raises your score.

[@Bluegreenred]

Hello would you say Kick Off is better than Current?

[@yuriart]

I have a few concerns 1-do you have to sign up for direct deposit from your job to kickoff in order to get he credit cash card? or can you just sign up for it and add the money into the card manually via bank transfer.? 2- is kickoff legit, I am concern with giving my ssn when filling and signing up for their service please help

[@yuriart]

does the credit cash card report to all 3 credit bureaus? all I want is to a type of cash card that I can put money in it and purchase with it, and at the same time build my credit. if kickoff is not the best option, can you recommend one?

[@rawlifter5373]

I use a Secure credit card throw capital one for the last 2 years never miss a payment or pay it off early.and the Still deny me Is a credit increase or a regular credit card.🤔

[@brightsun5479]

Do you make sure to use ten percent of your card the day before the report date. My card through capital one is due on the 16th. I have it paid in full before the 16th . Then the 17th I go buy 9 dollars of anything with the card. Then capital one reports my credit the 18th. You have to have something spent on your card when they report it. I was like you and they wouldn’t give me more than 200 and didn’t get my deposit back. Once I started doing that 9 dollars before they report now I got my deposit back and they made my credit limit to 1000. I’ve had the card for a year now. I still sometimes spend all of it but if your making sure to pay it off it don’t matter. But they like to see you use some credit That’s where I messed up but my friend explained it to me and my credit claimed 160 points

[@Antoine-619]

​@@brightsun5479once you buy something for 9 $ on the 17 when do you pay it off again?

[@raquellehenry1666]

I dont want to purchase anything from the kikoff store..

[@middknightblack]

You don't have do pay for anything extra in the store.

[@eklektek5032]

Is this beneficial for people with 750 scores?

[@Duckrawuncuttalent]

So do I need to have direct deposit? I paid for the service and Im not able to use the credit at all in app or in store

[@jay5132]

So with the line of credit could we use it for personal use like is there a way I could send it to my bank

[@jasminelopez2394]

That’s my exact question. Did you ever find out ?

[@Beanboi2225]

@@jasminelopez2394 you can’t deposit it in your bank it’s basically pretend money that you can use to purchase their membership and repay it back to them .. kinda like pyramid scheme but it’s helping your credit

[@hustleabroadchronicles]

Where is the kickoff online store????

[@sowell1005]

Which Credit bureau does it report to for the 5/month option? Has anyone noticed the difference between the $5 & $20 option?

[@ghostmann426]

I paid for both and no progress was made.only frustrating. Just think about it.if you can get 1,000 people to pay $5 they jus made $5,000 off. Selling a dream 😢

[@gmoney797]

You will see a larger increase with the $20 plan or the $35 plan since the line of credit is larger. There may be reasons some people don't see much of an increase such as if they are like 20K-30K or larger in credit card debt and it is maxed or high usage then another line of credit at low utilization isn't going to help a lot. Someone with say under 10K or especially under 5k in credit card debt would see the largest increase in there score if used properly.

[@BillondatrackTM]

Kikoff is da goat 🐐

[@datboidc0036]

What are the two credit bureaus they report too if not all 3?

[@gmoney797]

If you do the 20 or 35$ a month plan they report to all 3. The 5$ plan only reports to transunion I believe

[@FoxHoundVIP]

What do you mean. If approved which "most" do. Why wouldn't you get approved? I thought the whole point was to help people with bad credit. Is bad credit what gets you not approved?

[@Princelee444]

😂😂😂💀

[@chrisb3976]

" Is bad credit what gets you not approved?" congratulations you just answered your own question.

[@johnharris2339]

wonderful card

[@TerranceCouncil]

For instance, if I wanted to take my car to the mechanic shop it wouldn't work

[@TheLegaxy]

Thanks

[@SonnieCotner]

How do I access the online store?

[@middknightblack]

Their is nothing in the store that is worth it. Just pay the 5 dollars a month for life unless they come out with a better structure in the near future.

[@jojoseaya7103]

What if my credit Score is 789 will it get me to 850??

[@NaamWynn]

Probably not

[@preciselyavri7944]

If i have Kikoff and paid for the $20 plan to report to all three bureaus can i still build credit without using that cash card they gave me?? or do i have to use the cash card as well??

[@middknightblack]

You don't have to use the store at all to help build credit. Just pay your monthly fees on time for life.

[@autotrimmers6353]

Just opened an account. My bank (chase) wasn’t accepting my credit card application:(

[@rahamanawelenje9955]

☹so what happened

[@joseochoa9563]

I got a credit line with kikoff $2500

[@myhomeonwheels0513]

How u get credit limit $2500?

[@Jeziahwilson]

@@myhomeonwheels0513 it must be a new option I got it too today I just applied…it’s either you do the $5/month for $750 Credit Line reporting to 1 Credit Bureaus or $20/month for $2500 Credit Line reporting to all 3 Credit Bureaus

[@rodrigog1493]

@@Jeziahwilson negative….They only report to 2 credit agencies. You just get access to view your vantage 3.0 scores from the 3 agencies with the $20. If you choose the $5 dollar option you only can view your vantage score from 1 credit agencies

[@rodrigog1493]

@All about the drama revolving line only reports to 2 credit bureaus( Experian, equifax) installment loan reports to 2 also (equifax, transunion) charge card reports to all 3. I’ve read everything twice to make sure what I was signing up to. Difference between $5 basic vs $20 is your credit line $750 vs $2,500 With basic $5 you can only VIEW your vantage score from equifax vs premium you can VIEW from all 3. Regardless they still report your credit line to 2 bureaus

[@joseochoa9563]

@@Dramanreality no yet i guess a few days will see that

[@hustleabroadchronicles]

How do you purchase items from them??????

[@davidolivares6421]

Someone tell me why my uncle who is Known for fraud is having my grandma use this app and calming he is working for them. For real, i need some info.

[@firewall8047]

Kick off help me fix my credit now a i have my first credit card and dont spend more than 10% of the max on the card.

[@JoseOliveira-xw4si]

This one doesn't work for UK numbers aswell 😑😑

[@demeriousjohnson7736]

So you only can use it in there store?

[@NaamWynn]

Yup

[@LaSaint.X]

So if we have a high 600 score will it increase to 700’s?

[@NaamWynn]

Depending on your profile. If you are already established it may not.

[@Mtnktown]

What 3 credit bureaus do they provide the score to?

[@middknightblack]

Depending on the credit mix you choose. The credit card line does not report to TransUnion

[@Mtnktown]

@@middknightblack thanks! What about equifax?

[@middknightblack]

​@@Mtnktownthe Kikoff Credit line currently only reports to Experian and Equifax.

[@MarcKlark]

Which one credit b. Do they report to for the $5

[@MayraMarrero]

Equifax

[@DelandaThornton]

​@@MayraMarreroThank you for answering this question. I appreciate you 😊.

[@TuPhonez4Free]

What about Chime Credit vs kickoff 😂

[@Iceadded1]

I dont see no kick off store

[@VaniaToledo-xk9gh]

Self is better

[@anthonycruz8992]

Do you get a card

[@Tradelikeace]

Made a new account made my first on time payment before the due date

[@barakaabdullah7731]

First one here

[@cynthiastevens8302]

Ok so a person can simply get a secured credit card without paying $5 or more a month and accomplish higher credit score by being responsible with the credit card

[@ryanchapman8731]

Kikoff sucks if you try to deposit your employers check into it. They refused it because it was “too much” and now I have to wait for my employer to receive it and cut me a check. Ridiculous. 1 star.

[@brandonbvali]

Get a real bank account lol

[@ismaeljrmorales3613]

Never deposit your full check lol just a small amount, you can choose to just deposit 10 bucks for example

[@cornfieldcloset]

Have you heard of TranzactCard by chance?

[@ckennady]

It's a CREDIT BUILDER..not a damn bank.

[@chrisb3976]

Dont put your paychecks in to the kikoff account because its not an actual bank. Just deposit your checks into your bank that you deal with. This is why people arent good financially because they're uneducated and have no common sense.

[@jlopez1632]

This is somewhat of a scam. It only sells E books which I’m sure you can find similar books for free online. You can only buy from the store and nothing else. I’m sure it can help if all you want to purchase are E-books and you don’t get to keep the E-book for life. It literally is too good to be true

[@NaamWynn]

It’s a credit builder. It reports to the credit bureaus. What’s the scam?

[@jasondecluebass1012]

So my credit can go 400. Two 600

[@VaniaToledo-xk9gh]

Put your paycheck into a credit bureau...? Simple not a company with no physical address

[@AlishaAlmas-i5n]

Wait so how do I access the loan and get the money

[@StreetCreditJuJu]

You don’t. You pay monthly, until you completely pay off the loan. Once the loan is completely paid off you get all your money sent back to you… it’s a credit builder loan so it works in reverse. You pay the loan off then get the money at the end

[@JoseRuiz-gb6yi]

when you pay the 5 dollars quickly they give you a line of credit of 750

[@609STAACKS]

No... It's a tradeline your pay 5 dollars for them to report you have 750.. There pretty much lying saying you have credit 750 dollars in credit for u paying them 5 dollars a month

[@brandonescatel8074]

So if I have credit and I want to change to builder will it cancel the normal plan I have ?

[@brandycoke713]

How can I contact someone from customer service

[@jessleilani8234]

There’s no products to buy. Can’t find it at all. But, going to try this anyway & see what happens.

[@middknightblack]

You don't have to buy anything in the store at all for it to help build credit.

[@Antoine-619]

How has it worked out?

[@ayana8400]

You speak very fast, wish you could of broke it down slower and more detaile. But thanks anyways

[@yishay]

You can slow down the audio on KZbin

[@ghostmann426]

They dont even answer emails also. Chime is 💯 percent better!

[@ryanchapman8731]

Don’t use Kikoff - customer service is trash! Then they claim “2 days early. Direct deposit your paycheck” - then it’s payday and you find out they declined your check because it’s “too much” to accept. It’s a bs company and this video should be deleted before this ass company screws others.

[@JohnWingle]

It's not in every state

[@NaamWynn]

Just not in Delaware

[@ghostmann426]

All these advertising kickoff must get paid to promote them bc it doesn't work like it tells you it does.

[@Chicago2714]

The $5 plan only reports to 1 bureau. 😒

[@SuperSaiyanJo]

Most annoying bs

[@alexisirreplaceable]

"ACUSALO CON TU MAMA KICKOFF!"

[@SuperSaiyanJo]

Scam

[@NaamWynn]

How?

[@ghostmann426]

Obviously you must be getting paid to advertise their business bc they DO NOT give you a $750 credit line 💯 and they make it difficult to add money on your card. And it says pending when you try to transfer from your bank.but when you go look through your actual bank notification it's says kickoff is planning on taking whatever amount you were even thinking about transferring every week. Gtfoh 😅

[@adrianjaimes14]

@@ghostmann426 yes that's what pending means.

[@Jeanie-uo1fz]

Guys don't do it

[@thiqboi]

Why not?

[@airamcarrera25]

Wow that's not bad

[@johnharris2339]

lifesaver