“my score has not progressed any like kickoff promised in the beginning.kickoff has been false advertising ads,and promotions , I've automatically set auto payments and paid in advance several times and I have not seen any growth in my…”
Independent automated assessment · 3 signal sources · 1,241 reviews scanned · analyzed 2026-10-06.
4.9 ★406,706 ratings
5M+Downloads
4+Age rating
245 MBApp size
FreeIn-app purchases
About this app
Kikoff is the smartest way to build credit fast.
Starting under 600? You could jump 25 points your first month.*
Pick a plan, starting at just $5 a month.†
Make your first payment - and Kikoff starts reporting to all 3 bureaus (Equifax, Experian, and TransUnion) - which can result in a serious credit improvement.
Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.
In addition to building credit, Kikoff is the #1 app for monitoring your credit score. Quickly monitor your credit score at each of the 3 bureaus, and easily dispute credit errors in app at the press of a button.…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
App Store
This analysis describes version 1.184.3641 of the app, analyzed 2026-10-06 . The app may have changed since.
The store currently lists version 1.184.3641, updated 2026-09-18.
Google Play
This analysis describes version 1.184.3414 of the app, analyzed 2026-10-04 . The app may have changed since.
The store currently lists version 1.184.3414, updated 2026-09-28.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to at least 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
1 theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
90% or more five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
Positive evidence 1
Things this app does right, published at the same strengths as the catch list.
Developer says data deletion can be requested
The developer's data-safety disclosure on the store states that users can request deletion of their data, or the app's own text offers a way to delete the account. This restates what the developer declares; it is not a test of whether deletion works. Apple publishes no equivalent disclosure, so on an Apple-only listing only the app's own text can support it.
What we saw: The developer's store data-safety disclosure states that data deletion can be requested; we have not seen a deletion control in the app's own text
One source only — shown, not confirmed 1
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Reports that the ads misrepresent the app
Reviewers repeatedly report that the app is not what its advertising showed. We never see the ad creative itself, so nothing we collect can corroborate or refute this — it is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Misleading advertising: raised by 5 distinct reviewers (0.9% of 560 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“False Advertising its a trade line not a line of credit.”
“Scam — This is a scam when I opened account I received no money ad states you will get $750 They said my credit was low False advertisement”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 1.184.3641.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.