this post was submitted on 27 Dec 2025
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Anon tries to understand credit scores (sh.itjust.works)
submitted 15 hours ago by Early_To_Risa@sh.itjust.works to c/greentext@sh.itjust.works
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[–] sp3ctr4l@lemmy.dbzer0.com 1 points 6 hours ago* (last edited 6 hours ago)

If they close your card without warning, well, then you can't really do much about that.

There's probably some other factors that went into them deciding to do that, late or missed payments, something lile that.

So... I think Kikoff and Kovo both offer variations on this idea, but I'm familiar with the Kikoff one:

You pay them $10 bucks a month. For a year. At the end of that, you can eithet renew it, or l, they just give you $120 bucks, they give you your money back.

While for most people this is probably pointless, if you've missed a lot of payments, doing something like this can help chip away at improving your on time payment record.

Kikoff also has another thing where you can pay them various amounts of money a month, there are multiple tiers, the highest is $35... and they basically set up what appears to credit agencies as a credit card, but you can't actually use it as a credit vard.

But, if you have very little existing credit lines, it can significantly increase that 'total available credit' number, and the various tiers also give you differing levels of access to challenging items on your credit record you think are fraudulent or wrong in some way, gives you access to something lile Aura or DeleteMe, where it periodically checks for and tries to delete your data from data brokers.

That also takes a while to complete, but the point is that you can do this setup too, and it boosts your total available credit, and of course also counts towards your count/percentage of on time payments.

Kovo apparently also has some similar types of things like this, but I have not used them myself.

EDIT: Oh right and Kikoff also just tells you your credit scores, updates maybe once or twice a month, forgot about that.