Kikoff is a credit-building product that offers all consumers a revolving line of credit without charging any interest or fees on the credit line. It reports to the credit bureaus all payment history to help build credit.
Self puts the amount of your loan into a savings account on your behalf. Each month, Self sends you a bill. You pay your loan bill each month and Self reports your payments to the credit bureaus. Once you make your final payment on the loan, Self releases the funds in the savings account back to you.
Experian Boost works by connecting to your bank account(s) to find qualifying on-time bill payments and, with your permission, adding those payments to your credit file. The process takes about five minutes, and you'll see any changes to your credit scores instantly.