Kikoff - Build Credit Quickly

39.2K reviews
Content rating
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About this app

If you’re ready to build your credit, Kikoff is the fastest, smartest, easiest way to do it. Whether you have a low credit score or no credit score, we make it easy and worry-free – no credit check required and it only takes a few minutes to apply.

Your purchase of the Kikoff credit service includes monitoring, credit tips, and other educational resources along with getting a credit line reported to the credit bureaus. For just $5/month (with no additional fees or interest – yes, really), you’ll get a credit line with a low utilization rate reported to Equifax and Experian every month. Having a low utilization rate is one of the biggest contributing factors to your credit score, plus Kikoff is designed to be a responsible way to build credit (without risk of going into credit card debt!). Each on-time payment builds payment history, which helps your credit score.

How it works:
1. We set up a credit account for you and report it as a $750 credit line.
2. You make a purchase with that credit line (limited to Kikoff services), and you just pay back what you spend (our lowest + most popular payment amount is $5/month). We report those payments to the credit bureaus every month while your utilization rate stays low (like 8% 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.

Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.
Updated on
Sep 2, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 3 others
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

38.5K reviews
Nauleo Tapealava
September 7, 2023
I wouldn't recommend this app for what it adverti. I'm pretty sure is actually advertising misleadingly. Just paid to now have a bill for the next few months and not sure yet if I really do have line of credit that is usable and affordable. The 20$ and 5$ payments a month is for the agreement of having a line of credit. But to my knowledge if you spend the credit line you have to pay that back monthly plus your $20 payment or $5 payment for the agreement. I want a refund and to opt out and unscr
43 people found this review helpful
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Kikoff, Inc.
September 11, 2023
Hello! We would be happy to explain how the account you hold with us works. Please email us at for assistance.
Dayna Day
June 26, 2023
So far, my credit score went up twice to a 720 and within 1 week dropped to 121 pts. I've paid off all my cc's and the only thing that happened between that time was my bank card expiring, and I literally couldn't get into the app when trying to update it. Now, when trying to log in and pay off my account it keeps asking me to update the app. It hasn't allowed me to. I've been trying to contact someone regarding this issue but it hasn't been easy. Can help please be easier ?
402 people found this review helpful
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Theresa Workman
May 20, 2023
My score went up after my first autopay. So far so good. If my score keeps going up, so will the stars 🤩😜 Update: 7 months now and my credit score has gone up 107 points! 2nd update: It's been over a year now and my score keeps going up and up thanks to kickoff! They've help get my credit score up 120 points in less than 18 months. I would recommend them to anyone looking for an easy, affordable, and very effective way of building your credit score!
667 people found this review helpful
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What's new

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

This version includes:
* Rent reporting flow improvements
* Bug fixes