No day parting or specific criteria Payable action - Successful First Payment Here are some other details on Kikoff: 1. Customer signs up for Credit Builder Account which gives them a $750 credit line to use at Kikoff Store only (filled with financial literacy products) and cost is $5/month and it reports the payments to all 3 bureaus. Users also don't have to spend the credit line, they can just pay the $5/month to build credit. 2. Once customer has a Kikoff credit account, they can also sign up for a Kikoff Credit Builder Loan - this is an optional add-on for customers that want to build even more credit. This is a 1-year savings plan for $10/month. You’ll be able to add this product after your first payment with the Kikoff Credit Account. Those $10/month payments also get reported to the 3 bureaus each month and at the end of the 12 month period, they get all $120 back. 3. Reports to all 3 Bureaus between the two products 4. Gives you your Equifax Score and monitoring