Kikoff - Build Credit Quickly

55.6K reviews
Content rating
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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.
Updated on
Jun 18, 2024

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 5 others
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

54.6K reviews
Alex Westendorff
May 5, 2024
Great app but more issues recently. Biggest issue is, me and my wife both have this, we finished our savings out, over a week ago, and still have never been able to draw the money back out. This normally happens as soon as the last payment is paid. Not anymore, day after day I check to no avail. No chat customer service, have to call and I don't have time for that. Not happy and wish you would release our funds.
147 people found this review helpful
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Kikoff, Inc.
May 9, 2024
Hi, we're sorry to hear that and we would love to take a look at the issue. Please reach out to our customer support team at
April 26, 2024
It was cool at first. Then they turned into a snakey joke. If you upgrade to the $20 a month deal they have. They pretty much just rip you off and give you a credit you can't access or get your money back. And it just links it to an online store full of junk no one wants. If you cancel any credit you built gets taken back and they sink your score back to what it was before you started. I feel scammed, ripped off, and extremely unhappy with this company
364 people found this review helpful
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Kikoff, Inc.
April 26, 2024
Hello! We are sorry to hear this. We would love to learn more about your experience so we can improve. Please email our customer support team at
William Purcell
April 4, 2024
This thing is a total joke. I was sick for 2 months. I haven't been laid on any payments and four and a half years on eight trade lines. A car payment anything 100% perfect payment history. I was sick. Couldn't make payments on anything for 2 months. I was getting overdraft fees from the stupid kickoff and I couldn't cancel it. It'll hit my credit even harder. I finally did. Now it's showing them 90 days past due. 668score to 480 to 530 lost 30 pts because kickoff !!!! H8u
394 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:
* Update your account information if you forgot your email
* Various UI improvements
* Bug fixes