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

I don't recommend. First month or so it helped my credit. Hasn't done much for me since then. Finding out I was only paying a subscription to help with my credit, not for a credit line which I was under the impression I would be getting back. Could never figure out the "store" which is the only place you can use your "credit". The app seems basic but doesnt actually help with anything. Find another credit line where you actually have access to the money you're paying and still helps with credit.

Weird bug when trying to link my Capital One account, never had an issue with plaid before but every time at the last step when I go to hit Authorize, it gives error "page not available". Have to reopen the app to get rid of it & still doesn't show as linked.. tried 3x now. And why doesn't Kikoff allow me to pay future months in advance? I was willing to pay for 6+ months of Ultimate & the additional $10/mo credit program on the spot, but I guess it can't be that convenient..?

amazing, it's not for you to use as a credit card even though you can put money on there. it's mainly used as a credit builder I've been using it since July of 2023 & I have up my credit a lot. so if that's something you're interested in and I recommend you getting this app. five stars so far and you get all 3 credit bureaus for free. and honestly you can choose your own fees as low as I think $5 or $10 a month I have the $20 plan. just because it's easier and faster good luck. TYVM. Jimmy James

What's new

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

This version includes:
* Various UI improvements
* Bug fixes