Don’t give up. Much like working out, you won’t see results right away. It takes dedication and good habits to improve your credit score.


Your credit report is a mix of many different factors: 


  • Number/types of accounts open
  • Length of credit history
  • Credit card utilization
  • Collections
  • Hard inquiries
  • Payment history


Kikoff works because payment history makes up 35% of your credit score. Payment history is all about having on-time payments month-after-month; not about the size of the loan.


Because Kikoff needs to record a series of payments in order to show credit bureaus you can maintain them, it might take several months before your credit score starts to rise.  


Here’s a good article that outlines 5 major credit score factors.