Answers before you apply, dispute, or buy
Frequently Asked
Questions
Everything you need to know about your dealer auto score, building credit with Kikoff, and how our credit repair process works.
Auto Score Logic – Free Dealer Score Check
Yes — it’s 100% free. It’s a soft pull only, with no hard inquiry and no credit card required.
No. We only use a soft inquiry to view your information. Soft pulls have zero impact on your credit score.
Credit Karma shows consumer scores (like VantageScore). We show your real dealer auto score
— FICO Auto Score 8/9 — which is what most car dealerships and auto lenders actually use.
It usually takes about 2 minutes. Once you enter your information, your results are generated almost instantly.
Kikoff Credit Builder – Boosting Your Score
Kikoff reports a $500–$750 revolving credit line to the major credit bureaus every month,
helping you build positive payment history. Many users see average gains of around +84 points in the first year.
Yes. Kikoff is designed for people starting or rebuilding credit. There’s no traditional credit check and no hard pull.
Approval is designed to be automatic for eligible users.
Yes. You can cancel anytime through the Kikoff app or account portal. There are no cancellation fees.
Credit Repair – Removing Negative Items
Most clients see their first removals within 30–60 days, and some see results as fast as 14 days.
Timelines can vary depending on the bureaus, creditors, and the type of items on your report.
No — we do not charge upfront fees for intake. Your initial intake is 100% free.
You only pay if we take your case under our service terms and work to get results.
We work on collections, late payments, charge-offs, bankruptcies, repossessions, inquiries, judgments,
tax liens, and more — as long as we can challenge them as inaccurate, incomplete, outdated, or unfair under
applicable laws and reporting guidelines.