Keep in mind, credit building is a long-term habit – like eating healthy or working out – so the most important thing is to make good financial habits: make your payments on-time, keep your utilization low, and practice good financial habits.
It can take 30-45 days for Kikoff to show up on your credit report depending on when in the month you signed up. Kikoff reports payments to credit bureaus once a month, which takes up to 2 weeks for the bureaus to process.
For example, if you made a $5 Kikoff payment on August 5th, we will report this payment on September 1st, and you can expect to see it on your credit reports sometime between Sept 5th and September 15th.
Kikoff does help you keep track of your score by having your score available on your account, and if you use a credit monitoring tool, such as Credit Karma, you might see it on there even earlier. Just keep checking in, and remember it’s about the long haul.
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