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Kovo vs Kikoff

Kovo is a simple credit builder that gives you access to digital courses. How does it compare to Kikoff? Read our comparison chart below.

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.

While 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.

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

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Build Credit & Earn Rewards - Learn More

Read Kovo Review

Credit Building Made Easy - Learn More

Read Kikoff Review


Benefits and Features

Credit Building Tools
Payment Reporting
  • Credit Account
  • Credit Builder Loan
  • Kikoff Secured Credit Card
  • Rent Reporting
Credit Bureaus Reporting3 Main Credit Bureaus and Innovis
  • Credit Account: Equifax and Experian
  • Credit Builder Loan: TransUnion and Equifax
  • Credit Card: 3 Main Credit Bureaus
  • Rent Reporting: Equifax
$10/month (for 24 months)
  • Credit Account: $5/month Credit Service Fee
  • Rent Reporting: Free
Mobile App

CreditDonkey® Reviews

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


Build Credit & Earn Rewards

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

Credit Building Made Easy

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

Which is Better: Kovo or Kikoff?

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

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

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?

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.

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.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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