Which bureaus does Kikoff report to? When will my Kikoff payment show on my credit report? Why hasn't my credit score improved yet? 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?