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Credit Repair & Counseling

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Our Partners

The importance of credit building

Emily Ragsdale, Owner

Emily Ragsdale, Owner

Emily Ragsdale, Owner

Emily Ragsdale, Owner

Emily Ragsdale, Owner

When you have no credit history, the credit bureaus simply don't have enough history to determine whether or not you'll be able to pay back borrowed money. And that's all a credit score is — an estimate of the likelihood you'll pay back the next credit you're granted, based on the data in your credit reports. 


If you don't build credit you

When you have no credit history, the credit bureaus simply don't have enough history to determine whether or not you'll be able to pay back borrowed money. And that's all a credit score is — an estimate of the likelihood you'll pay back the next credit you're granted, based on the data in your credit reports. 


If you don't build credit you can't prove your credit worthiness. The sooner you start building credit the sooner you have access to higher approval rates, lower interest rates, & higher credit limits.


Credit building is essential to meeting your credit goals in my program.

Emily Ragsdale, Owner

kikoff

How Kikoff Works

How Kikoff Works

How Kikoff Works

How Kikoff Works

How Kikoff Works


1. Sign up for a Kikoff Credit Account You’ll be instantly approved so you can get started that same day. No credit checks!


2. Buy something on credit from the Kikoff store with your $500 line of credit. This doesn’t expire, so you can continue building your credit on your schedule.  


3. Build payment history every month Every on-time payment you make will help you build your credit. All it takes is one click—and we’ll send you reminders to make sure.  You can keep track of your remaining balance and credit score at any time, on your Kikoff account.

Join Kikoff

CREDIT BUILDER CARD

How Credit Builder Card Works

How Credit Builder Card Works

How Credit Builder Card Works

How Credit Builder Card Works

How Credit Builder Card Works

1. Apply in Minutes + No Credit Score Requirement​


2. Put Down $200 Refundable Deposit To Open Your Secure Credit Card


3. Build Credit by Making Purchases With Your Credit Builder Card

Join Credit Builder Card

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