Kikoff – Build Credit Quickly vs Grow Credit Usage & Stats

Kikoff is the smartest way to build credit fast. Starting under 600? You could jump 28 points in your first month.* Pick a plan, starting at just $5 a month.† Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up. Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health. Kikoff’s Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡. Best of all? No credit checks, no interest, and no hidden fees. Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it’s helped over a million people win at credit. Get started today. *Based on observed VantageScore 3.0 changes for Kikoff users with starting credit less than 600 who made on-time payment(s) during Month 1. Data current as of Feb 2024. Payment behavior & credit activity beyond Kikoff can have an impact on your credit. Individual results may vary. †Kikoff Credit Service starts at $5/mo for 12 mos. ‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan). §Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart. Kikoff Inc. PO Box 40070, Reno, NV 89504

Apple App Store
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Grow Credit

With over 500,000 downloads, Grow Credit, featured on the 2022 Forbes Fintech 50 and recognized as one of America's most innovative companies, helps consumers build credit for free using their subscriptions, with no prior credit history required. As featured in the App Store “Hot This Week” section. Your credit score is different on Experian, Equifax, and TransUnion. Having a strong score on all three matters as mortgage lenders, car dealers, and credit card companies often review more than one to determine a consumer's creditworthiness. Grow helps you boost your credit score quickly on all three. Grow your credit with your subscriptions in three easy steps: - Apply for your Grow MasterCard. - Link your bank account. - Add your subscriptions: Netflix, Disney+, Hulu, Spotify, HBO Max, or over 100 others. Your subscriptions will be billed to your Grow MasterCard, and we’ll automatically debit your bank account every month and report your progress to all three credit bureaus. A better credit score means lower interest rates on future loans, which could save you tens or even hundreds of thousands of dollars. Applying for Grow will not result in a hard credit pull and will not affect your credit score. We recommend using Grow alongside Rocket Money and Credit Karma. The press raves about Grow: Techcrunch.com: Grow "is a pretty elegant way to solve a problem that’s a real barrier to entry for a large number of financial services. Credit scores can impact mortgages, the ability to receive small business loans, and a host of other services that are ways to boost economic opportunity." Creditcards.com: Grow is "a very useful tool for climbing the ladder and eventually qualifying for a better card." Nerdwallet.com: "The Grow Credit Mastercard is ideal for those with no credit or poor credit." Grow offers 4 plans: * Build Free - Reports a $204 credit line to Equifax, Experian, and TransUnion - $17 monthly spending limit - Option to upgrade to a Grow membership after 6 months of consecutive on-time payments - Cost: Free * Build Secured - Reports a $204 credit line to Equifax, Experian, and TransUnion - $17 monthly spending limit - Option to upgrade to a Grow membership after 6 months of consecutive on-time payments - $17 security deposit required - refundable after 12 consecutive on-time payments - Cost: $2.99 per month * Grow - Reports a $600 credit line to Equifax, Experian, and TransUnion - $50 monthly spending limit - Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint) - Cost: $4.99 per month * Accelerate - Reports an $1,800 credit line to Equifax, Experian, and TransUnion - $150 monthly spending limit - Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint) - Cost: $9.99 per month Additional Features: - Plan duration: 12 months - renewable. - Free FICO Score - Free credit education blogs and tutorials. We look forward to assisting you in your credit-building journey! Bank-Level Security: • Your data is protected with 256-bit encryption bank-level security and is never stored on your devices. This app is operated by Grow Credit, Inc. Questions or suggestions can be directed to behappy@growcredit.com.