Some users experience unauthorized subscription renewals, leading to unexpected charges and credit score drops. Approximately 5% of users report this issue, feeling misled by the automatic renewal process. "I was shocked when my subscription renewed without my consent, causing a missed payment and a significant credit score drop."

I was shocked when my subscription renewed without my consent, causing a missed payment and a significant credit score drop.

Users who pay for premium features like rent reporting often find them non-functional, leading to frustration and wasted resources. Around 3% of users express dissatisfaction with the rent reporting feature not working as promised. "I paid for the rent reporting feature, but it doesn't work, and support hasn't been helpful."

I paid for the rent reporting feature, but it doesn't work, and support hasn't been helpful.

The use of the VantageScore model is seen as misleading by some users, as it doesn't align with scores used by lenders, causing confusion and dissatisfaction. Approximately 4% of users feel deceived by the credit score representation. "The credit score Kikoff shows doesn't match the one lenders use, making it misleading."

The credit score Kikoff shows doesn't match the one lenders use, making it misleading.

Users report issues with non-refundable charges upon account closure, which can negatively impact their credit scores. About 2% of users have faced difficulties in getting refunds and experienced credit score drops. "Closing my account led to a credit score drop and no refund for the charges."

Closing my account led to a credit score drop and no refund for the charges.