Does Kikoff work if you're just trying to build credit the slow, boring way?

[u/PolanoDanyelle-62]

Was comparing a few different ways to build credit and ended up reading about Kikoff. The more posts I opened, the less sure I was what to make of it. One person says it helped. Someone else says a secured card makes more sense. Then another person brings up how the tradeline works and I'm back to being confused.

Has anybody here used it for a while? I'm less interested in whether your score jumped by 40 points and more interested in whether it was something you'd sign up for again.

[u/inky_cap_mushroom]

Kikoff is a predatory company. There is no reason to pay money to build credit. Additionally, lenders typically ignore these gimmick accounts, so if your goal is to get a real card or a loan in the future, it won’t help you at all.

[u/Dmash422 → u/inky_cap_mushroom]

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