June 4th 2020 archive

A novel way to actually build credit for… free.

Please note that I am not actually getting paid to make this post.

Someone mentioned Kikoff on Facebook, and I decided to give this a try on my own since… surprisingly, I don’t actually have any credit. I’ve been the kind of person to only pay for things when I have the money “in hand” to make the payment, but I figured that if there were a way to start to work on my credit without actually taking tangible risk in the event that I needed to have good credit in the future, I might as well start now while I didn’t technically need to have good credit. So that’s what I’ve been doing. What Kikoff does is “lends” you $12.00 in their virtual wallet once you make an account with them, and you pay them back a dollar a month over the course of a year with them. As long as you stay current on payments, they report that “loan” being paid back to them to all three major credit reporting agencies in the United States. In turn, that actually gives you a credit score if you’re… well, like me, and you don’t have a credit score, or it improves your credit score if you’re someone who might not have the best credit score (this can influence up to 35% of your credit score if that is the case and you already have a credit score!). As long as you remember to make these single $1 payments on time, it’s all reward and no risk — you come out of it with an actual, good credit score, which you can later use to your advantage, or you actually improve your already existing credit score!

It’s almost like you can actually bet on this.

You know, something tells me that Myka would not have “re-homed” her adopted autistic son if he were one of her biological children. It’s almost as though you can bet on that. And it’s not as though you can practically bet on the fact that she did so because his disabilities inconvenienced her, because even if he did have behavioral problems, there were services that she could easily have accessed at her family’s income level — having the income, and the resources, to do so — that would have allowed her to retain parental rights over him (such as a group home for whatever length of time might have been necessary, worst case institutionalization, or even respite care). She just didn’t want to take the extra time out to care for him at all and it really showed. Then she had the nerve to delete all pictures of him from her Instagram account (so much for “we miss him every day”), and now, as of the time I’m writing this post, law enforcement is trying to locate him. So much for her “re-homing” being legitimate. I am actually worried that something might have happened to him that hasn’t been said by her family. This sadly happens to a lot of autistic kids nowadays…