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Kikoff vs Kovo

Kikoff is a low-cost credit builder that packs in extra features for credit building. How does it compare to Kovo? Read our comparison chart below.

Kikoff provides a $750 credit line you can use in Kikoff store for a monthly fee of $5. It can help build your credit by reducing credit utilization and reporting monthly payments to Equifax and Experian. Other services include credit builder loans, secured credit card, and rent reporting.

While Kovo provides access to online courses for $10/month. It helps build credit by reporting the monthly payments to the credit bureaus. The main downside is the 24-month lock-in period.

Compare Kikoff with Kovo, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

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Benefits and Features

Credit Building Tools
  • Credit Account
  • Credit Builder Loan
  • Kikoff Secured Credit Card
  • Rent Reporting
Payment Reporting
Credit Bureaus Reporting
  • Credit Account: Equifax and Experian
  • Credit Builder Loan: TransUnion and Equifax
  • Credit Card: 3 Main Credit Bureaus
  • Rent Reporting: Equifax
3 Main Credit Bureaus and Innovis
  • Credit Account: $5/month Credit Service Fee
  • Rent Reporting: Free
$10/month (for 24 months)
Mobile App

CreditDonkey® Reviews

Credit Building ToolsStarStarStarStarStarStarStarStarStarStar
Credit Bureaus ReportingStarStarStarEmpty StarEmpty StarStarStarStarStarStar
FeesStarStarStarStarHalf StarStarStarStarStarHalf Star
Mobile AppStarStarStarStarStarEmpty StarEmpty StarEmpty StarEmpty StarEmpty Star
Pros & ConsPros:
  • Inexpensive way to build credit
  • Cancel anytime
  • No lock-in period
  • Does not report to TransUnion
  • Kikoff Store items may not be valuable
  • $10/month only
  • Easy to apply
  • Earn rewards
  • 24 months lock-in
  • Courses may have little value to you
Bottom LineLow-cost credit builder that packs in extra features for credit building... Read full reviewSimple credit builder that gives you access to digital courses... Read full review
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Build Credit & Earn Rewards


Credit Building Made Easy

  • No credit pull required
  • With 0% interest
  • Open your account in minutes

Build Credit & Earn Rewards

  • No credit check
  • Instant approval
  • 0% APR / $0 fees

Which is Better: Kikoff or Kovo?

Still need help deciding which credit is better? Read the in-depth reviews below. You may also be interested in comparing Kikoff or Brigit.

In short: Kikoff's mobile app is excellent. Kovo's credit bureaus reporting is outstanding.

Articles on Kikoff

Kikoff Review

Kikoff offers an affordable credit line, which can help you build your credit. But what's the catch? Read on to find out.

Articles on Kovo

Kovo Credit Builder

Kovo is a low-cost way to build credit and learn more skills online. Learn Kovo's features, value, and if it's the best credit builder for you.

Kovo vs Self vs Kikoff

Forget big credit repair companies. Kovo, Self or Kikoff may be your holy grail in building and improving your credit. But what's the catch?

Which Do You Think is Best?

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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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