Kikoff - Build Credit Quickly

4.8
64K reviews
1M+
Downloads
Content rating
Everyone
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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
Sep 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

4.8
62.9K reviews
Lendsey HARBIN
September 4, 2024
This company is not transparent. It was good for 1 to 2 months. Then the bugs started it was an issue with contacting someone to work on app issues. I went up to the 3500k credit line and my credit hasn't improved any. Also.i tried to go to the kickoff store to see the products and it's not available. So actually you can find someone with a credit card that pays their bills on time and have had that credit card for years and ask them to put u on as an authorized user same concept.
52 people found this review helpful
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Jay Jay
August 26, 2024
Just donaloaded this app as a new user. When I entered my address info, a window popped up saying " something went wrong, please check your internet connection". I know it's not my internet issue, it's working. So I enter different address, I noticed system wont regonize new york state address, out of state address works fine. please fix this issue.
52 people found this review helpful
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Iris Fairfax
July 24, 2024
Just cancelled. This app basically charges you for a credit line you can't use, outside of buying their "financial services". I'd rather take the hit from cancelling, then use the savings to put toward bills. I can raise my own credit score through good habits and good advice from financial professionals. Any reduction of my credit score from dropping them is a loss I'll chalk up to ignorance, and I'll make it up by paying down my debt.
273 people found this review helpful
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Kikoff, Inc.
July 26, 2024
Hello! We appreciate your feedback. If you have any more comments or questions, please email us at support@kikoff.com.

What's new

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

This version includes:
* Various UI improvements
* Bug fixes