Overview

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

Here’s a simple, step-by-step view of how Kikoff helps you build credit over time:

1. We lower your credit utilization with a fixed tradeline of $750 or $2,500.
2. You make a purchase using that tradeline (limited to Kikoff). You simply repay what you spend, and our most popular plan starts at $5 per month. We report those payments to Equifax, Experian, and TransUnion every month while your utilization stays low.
3. You can turn on AutoPay to put credit-building on autopilot—no heavy lifting required after account setup.
4. We flag errors on your report.

Premium customers can opt into Rent Reporting to have their rent payments reported as well. Kikoff supports credit-building by establishing a positive payment history and maintaining a low utilization rate, all with transparent terms and 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.

Why it’s a compelling credit-building tool

Kikoff is designed to help you build credit quickly without the stress of traditional lending. It offers a no-credit-check pathway, making it accessible even if your credit history needs a boost. The app provides a clear, simple dashboard that shows your credit line, due dates, and payment history, removing financial jargon and guesswork.

Key Features That Help You Grow

Beyond the core credit line, Kikoff tracks progress and offers insights into how your score evolves. It also includes educational content to boost financial literacy while you build credit. The service is available on both Android and iOS, ensuring you can participate from almost any smartphone. Because Kikoff reports to major bureaus, your on-time payments become visible to lenders when it matters most, helping you move toward a healthier credit profile over time. And with low, transparent fees (Basic at $5 per month or Premium at $20 per month) and no hidden interest, it’s a friendly way to improve your credit score.

Start Building Today

Getting started is quick and easy. Choose Kikoff Basic for $5 per month or Premium for $20 per month and gain access to a revolving credit line that reports to Equifax, Experian, and TransUnion every month. The typical credit line starts around $500, giving you a practical amount to use for small purchases within Kikoff’s store. The key is to use the line responsibly and pay on time each month.

There are no credit checks to apply, and you’ll complete the setup in just a few minutes. By maintaining a low utilization rate and making consistent on-time payments, you’ll build a positive payment history that lenders see and respond to.

Rent Reporting and More

Premium Credit Service users can opt into Rent Reporting, which expands the range of on-time payments that count toward your credit history by including rent payments. This feature helps you demonstrate a reliable, monthly payment pattern, further boosting your ability to build credit quickly.