Does Kikoff report to Experian, Equifax and Transunion? When will my Kikoff payment show on my credit report? My score dropped, what should I do now? Does it look bad to have a $12 loan? Will my score increase more if I pay off my loan faster? If I never had a credit score, how long will mine take to show up on my Kikoff account? What is VantageScore 3.0? Does a security freeze affect Kikoff's ability to report payments to the bureaus or open a new account?