Aug '25 (edited) • 💰 SECRET GEMS 💰
đź’Ž"EQUIFAX" Late Payment Dispute Hack (Using Kikoff)
Got late payments dragging down your Equifax score?
Here’s a step-by-step method to challenge them directly inside the Kikoff app
(This reflects one individual’s experience.)
Step 1: Set Up Kikoff
- Download the Kikoff app
- Create your account
- Tap Credit Report
Step 2: Access Your Equifax Report
- Make sure you’re viewing the Equifax credit report inside the app
- Scroll until you see “Dispute”
- Tap New
Step 3: Identify Negative Items
- If late payments appear, you’ll see options such as “Dispute Errors” or “Dispute More Errors”
- Tap the option to begin the dispute process
Step 4: Select Late Payments
- Choose up to 5 late payments at a time
- Confirm by selecting “5/5 selected”
Step 5: Choose Your Dispute Reason
Select:“Received COVID-19 pandemic accommodation from lender.”
This is a commonly used dispute reason reported by some consumers.
Step 6: Generate & Submit Dispute Letters
- Tap Next → Generate Letters
- Kikoff will submit the dispute letters on your behalf
⏱️ Timeline
- Typical response time reported by users: 45–60 days
✅ That’s it—you’ve submitted a dispute for late payments through Kikoff.
When you’re done, comment DONE.
Important Legal & Compliance Disclaimers (FTC / FCRA)
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Educational Use Only This content is provided for educational and informational purposes only. It does not constitute legal advice, financial advice, or credit repair services.
No Guarantees Disputing an item does not guarantee removal. Under the Fair Credit Reporting Act (FCRA), only inaccurate, incomplete, or unverifiable information may be removed or corrected.
Accuracy Requirement You should only dispute information you believe in good faith to be inaccurate or incomplete. Submitting false information may violate creditor or bureau policies.
Individual Results Vary Credit outcomes vary based on individual credit profiles, lender responses, and bureau investigations.
Not Affiliated This content is not affiliated with, endorsed by, or sponsored by Kikoff, Equifax, or any credit bureau.
Consumer RightsYou have the right under the FCRA to:
- Dispute inaccurate or incomplete information
- Receive results of the investigation
- Have verified information remain on your credit report
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đź’Ž"EQUIFAX" Late Payment Dispute Hack (Using Kikoff)
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