If banks don’t like seeing credit-builder accounts on your credit profile, then why do so many credit repair professionals tell their clients to open accounts with Kikoff, Self, or Kovo? Do they really believe these accounts are going to help people get approved for real credit? Or are they just selling a product while knowing that banks may not view these accounts the way consumers are being led to believe? Why not just tell people the truth? People deserve honest advice about what actually helps them qualify for credit—not another account to add to their credit profile just because it generates a payment history.