I’m up 62 points  using the Kickoff app. No fluff, no fancy financial planner —Just a simple app that allows me to pay $35 a month  while they work their magic. This is not an ad , ladies. Let me tell you why  I’m sharing this — and a little background on how I ended up in this sticky situation. When you’re low on funds or going through hardship, fixing your credit can feel like a scam — like something that’ll only dig you deeper into a financial hole. But luckily, we learn f