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 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 going into greater detail on the impact of each factor on your credit score: https://www.myfico.com/credit-education/whats-in-your-credit-score