Artificial Intelligence Revolutionizing Credit Score Improvement
Cynthia Chen, CEO and co-founder of Kikoff, revealed to FOX Business on Aug. 18, 2025, that their newly launched artificial intelligence (AI) tool is changing the way consumers improve their credit scores. Given the rise of AI in finances, this new tool offers hope for many.
Since its launch, the AI credit disputing tool has been utilized by consumers tens of thousands of times, according to Chen. This innovative feature, available in the Kikoff app, assists users in identifying and correcting errors in their credit reports. The AI tool is a free service for Kikoff users, bundled in with their credit-building plans which start at just $5 a month.
Spotting Errors and Improving Credit Scores with AI
Chen stated that the AI credit dispute tool has already been used over 70,000 times since its release and it has received overwhelmingly positive feedback. The ease with which users can “spot errors, send disputes and move forward, with just a few taps in the app,” as detailed on the Kikoff website, seems to be a significant factor in its popularity. This tool makes it easy for users to take charge of their credit scores and improve their financial standing.
The importance of such a tool is underscored by a report from Consumer Reports which found that almost half of consumers discovered mistakes in their credit reports, with over a quarter finding serious errors that could negatively affect their credit scores and financial opportunities.
AI and the Future of Personal Finances
“Before using Kikoff, the process of submitting disputes was confusing,” says Ashley Weeks, a Kikoff user from Florida. “The credit disputes tool makes things much easier. The letter prepared by Kikoff gave me more confidence and I truly believe it led to a better outcome.”
Chen sees a bright future for AI in personal finances. She believes that a lot of traditionally expensive services and products laden with manual procedures can be automated, making them more accurate and predictable. As more consumers lean towards AI solutions to manage their credit scores and other aspects of personal finance, it’s clear that AI is set to continue making waves in the financial sector.
For more on this and other financial news, visit FOX Business.
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