If I could have been on a podium in front of thousands, to warn folks to NEVER CHOOSE this group of rip off company, I WOULD! They have ruined my credit! Totally opposite of their motto! I can't stress enough to stay off their site, their website should be taken down. I should have read their reviews, they claim for $5 dollars a month they will bring your credit score up? BS they started taking money before doing anything, their bait was to get your score up, I had never needed credit. I was 67 yrs of age at the time, no need to even want anything, like an idiot I thought $5 isn't going to hurt me? WHY DIDN'T I READ THE REVIEWS? After the 3rd withdrawal, I attempted to cancel they wouldn't answer phone, respond to emails? I had to physically go to the bank, complain about the continuous withdrawals? The bank said "Ma'am, several of our customers have had same problem with that same group, kikoff, you will need to cancel out debit card." I did, I started over. GUESS WHAT? Kikoff kept calling me & emailing me that my card needed to be updated? I informed them I no longer wanted their worthless service, thank you but no thank you. THEY'VE HAD THE AUDACITY TO RUIN MY CREDIT, THEY HAVE MY NAME IN COLLECTIONS! I've contacted all three credit EQUIFAX, EXPERIAN AND TransUnion, I'm only one of thousands who have been through same crap with Kikoff? Unless Kikoff themselves STOP CLAIMING I DEFAULTED ON A $55 DOLLAR CHARGE, my NAME WILL BE SHOWN AS HAVING DEFAULTED? This group of people have come up with a way to steal from one on pretense of helping? Liars, deceivers! The only good thing in my story is I'm too old for them to keep hurting me, my credit score. I will continue paying cash & not applying for anything. I detest this Kikoff company, hope to help many from getting trap in their web. It all started last year on-going they'll never remove my name or their $55 charge, I'll never pay them it's a matter of principle. Please folks read their reviews, I believe they've paid folks to write good reviews, they are a worthless company.