Kikoff - Build Credit Quickly

Kikoff Inc.

About this app

If you’re ready to build your credit, Kikoff is the fastest, smartest, and easiest way to do it.

Kikoff customers who make on-time payments see improvements of their credit score by 58 points, on average.*

Sign up for Kikoff Basic plan for just $5/month or Premium plan for $20/month. You’ll get a credit line reported to Equifax, Experian, and TransUnion** every month. Each on-time payment builds payment history, which helps your credit! Whether you have a low credit or no credit, we make it easy and worry-free – no credit check required and it only takes a few minutes to apply.

How it works:
1. We lower your credit utilization with a $750 or a $2,500 tradeline.

2. You make a purchase with that tradeline (limited to Kikoff), and you just pay back what you spend (our lowest + most popular payment amount is $5/month). We report those payments to Equifax, Experian, and TransUnion every month while your utilization rate stays low.

3. You have the option to put your credit building on autopilot by turning on AutoPay – that’s right, no heavy lifting required from you after account setup.

4. We flag errors on your report. Also, users with Premium Credit Service account can sign up to Rent Reporting to have their rent payments reported.

Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.

*Credit Score Increase: Based on Kikoff customers who start with 600 or below credit. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.

**Which bureaus are reported to depends upon which Kikoff products you have. Kikoff Credit Account and Secured Credit Card reports to Equifax, Experian, and TransUnion. Kikoff Inc. is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. The Kikoff Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International Incorporated.

*** Credit Card services offered through Bankrate, LLC NMLS ID# 1427381

*** Loan services offered through Moneylion Technology Inc. NMLS ID# 1475872

*** Auto loan providers offered through Caribou Financial Inc. NMLS# 1746612, RefiJet., and OpenRoad Lending, LLC NMLS#710945

**PERSONAL LOAN INTEREST AND FEES are available to see on Kikoff’s marketplace from third party advertisers, from which Kikoff receives compensation. The offers you see on the Kikoff Marketplace have rates from 6.99% APR to 35.99% APR with terms from 1 month to 84 months. Rates are subject to change without notice and are controlled by our third party advertisers, not Kikoff. Depending on the specific lender, other fees may apply, such as origination fees or late payment fees. See the particular lenders terms and conditions for additional details. You may not qualify for a personal loan at all or you may not qualify for the lowest rates or the highest offer amounts.

PERSONAL-LOAN REPAYMENT EXAMPLE. The following example assumes a $10,000 auto-loan with a 5 year (60 month) term. For APRs ranging from 6.99% - 35.99%, monthly payments would range from $198 to $361. Assuming all of the 60 monthly payments are made on-time, the total amount would range from $11,878 to $21,676.

Kikoff Privacy Policy: https://kikoff.com/privacy-policy.pdf

Ratings and reviews

This app is the most amazing credit builder available. I had little to no credit and within 2 months, I built my credit high enough to be able to purchase a vehicle. From being unable to be approved for anything to owning my own vehicle is all thanks to Kikoff. There are so many affordable options, and you cannot damage your credit because you don't have the money to use. The only way is up.

I signed up for the highest level membership. I've been using Kickoff for about 4 months now. Kickoff claims my credit score increased, but when I checked with the 3 credit companies, my credit hasn't actually changed. You're better off just putting money into a savings account or secured credit card. The only positive thing I can say is Kickoff helped inspire me to understand credit more. The USA credit system is really a stupid idea.

It worked great when I first tried it, but then they locked me out of my account. When I try to login with my phone number, the only option it gives me, it says it is registered to another user and to try again. I only have one number and it's on my account with them. Now they are reporting on my credit. An app that was supposed to help me repair my credit is actually making it worse. DON'T USE THIS APP IF YOU ACTUALLY HOPE TO RAISE YOUR CREDIT SCORE!!!

What's new

Thank you for using Kikoff! 🎉🥳🎉
The number one way to build your credit!

This version includes:
* Various UI improvements
* Bug fixes