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.

Ratings and reviews

DONT DO IT!!!!!Didn't really help my credit, just took my money every month. Was under the impression you could withdraw the money and get it back after a year of paying for their "plan". Nope you never get the money back. I would have been better off saving the money in a bank account. Or using it to pay extra on bills I still owe. What a waste of time. Now my credit will take a hit since I cancelled my account. Back to square one rebuilding my credit.

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!!!

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.

What's new

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

This version includes:
* Various UI improvements
* Bug fixes