Kikoff - Build Credit Quickly

33.4K 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
Nov 29, 2022

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
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted
33.4K reviews
olivia glover
October 12, 2022
This app is awesome. I paid 2$ a month for 6 months and now have a 678 credit score! Before this I didn't even have a credit score because everything negative had fallen off my history so it was literally blank when id check it. Before that my credit score was a 490 back in the day! I'm so glad I found this app its nice its affordable and will help set you up for more responsibility in the future. Its just the perfect way to learn about credit without as much risk.
157 people found this review helpful
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Kikoff, Inc.
October 13, 2022
Hi Olivia, thanks for your love. If you have any questions, please contact us at :)
October 9, 2022
wonderful app focused on helping people make good choices. I'm not sure what the negative reviews are about other than if the people didn't have the couple dollars in their account at the time of auto withdrawal or they changed debit cards but didn't change it in the app then the "bill" would go unpaid. Look, this is the end of the road for bad financial decisions and the beginning for good ones. Take ownership of your future people. My credit score has rose 200 poi ts to over 700 now. Believe.
119 people found this review helpful
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Kikoff, Inc.
September 26, 2022
Hi Nathan, thank you very much for your feedback. :)
Desiree Huey
October 19, 2022
Honestly Works. Boosted my credit score 136+ pts in six months. I've referred it to many friends! &even after having bad credit they were able to fix they're score and be approved for real credit cards after using for a few months. Awesome app. I Pay $2 ish a month to boost my score and I choose to pay $10 into a savings account that I can cash out after 12 months. Has done nothing but great things for me. I was in the 500's when I started and now I'm right under 700! Anyone can and should use!
160 people found this review helpful
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Kikoff, Inc.
October 19, 2022
Hi Desiree! Thanks so much for sharing and telling your friends about us. Congratulations on the 136+ point increase! Keep it up. :)

What's new

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

This version includes:
* Improved in app webview
* Address autocomplete form
* Infrastructure for improved credit score page experience
* Bug fix for external bank account re-verification