Kikoff - Build Credit Quickly
4.8star
86.3K reviews
1M+
Downloads
Everyone
info
About this app
Kikoff is the smartest way to build credit fast.
Starting under 600? You could jump 25 points your first month.*
Pick a plan, starting at just $5 a month.†
Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.
Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.
Kikoff’s Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.
Best of all? No credit checks, no interest, and no hidden fees.
Get started today.
*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.
†Kikoff Credit Service starts at $5/mo for 12 mos.
‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).
Kikoff Inc. PO Box 40070, Reno, NV 89504
Starting under 600? You could jump 25 points your first month.*
Pick a plan, starting at just $5 a month.†
Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.
Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.
Kikoff’s Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.
Best of all? No credit checks, no interest, and no hidden fees.
Get started today.
*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.
†Kikoff Credit Service starts at $5/mo for 12 mos.
‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).
Kikoff Inc. PO Box 40070, Reno, NV 89504
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Ratings and reviews
4.8
84.9K reviews
Glenda Flores
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24 March 2025
It's alright. The only problem I've noticed is the notification process. Even though, payments have been made. I haven't made a late payment or missed one. It'll continuously warn me about paying late regardless if it has been paid on time or early. It's been going on for 6 months. Called customer service. They say ignore it but it becomes a nuisance over time. Nothing has been done to fix it. May change the rating if it gets fixed.
69 people found this review helpful
Kikoff, Inc.
18 April 2025
Hi, we are sorry to hear that. We are always thrilled to receive feedback from our users and implement enhancements to their overall experience. If there's something specific you'd like us to take a closer look at, we'd love to hear from you! You can reach out to us at 1 (844) 741-9282 or visit our website at http://kikoff.com/link/get-help.
Jamie Nicole Davenport
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10 November 2024
It worked great when I first tried it, but then they locked me out of my account. When I try to login with my phone number, the only option it gives me, it says it is registered to another user and to try again. I only have one number and it's on my account with them. Now they are reporting on my credit. An app that was supposed to help me repair my credit is actually making it worse. DON'T USE THIS APP IF YOU ACTUALLY HOPE TO RAISE YOUR CREDIT SCORE!!!
566 people found this review helpful
Casey Garrison
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3 October 2024
I signed up for the highest level membership. I've been using Kickoff for about 4 months now. Kickoff claims my credit score increased, but when I checked with the 3 credit companies, my credit hasn't actually changed. You're better off just putting money into a savings account or secured credit card. The only positive thing I can say is Kickoff helped inspire me to understand credit more. The USA credit system is really a stupid idea.
667 people found this review helpful
What's new
Thank you for using Kikoff! 🎉🥳🎉
The number one way to build your credit!
This version includes:
* Various UI improvements
* Bug fixes
The number one way to build your credit!
This version includes:
* Various UI improvements
* Bug fixes
App support
About the developer
Kikoff Inc.
support@kikoff.com
132 Hawthorne St
San Francisco, CA 94107-1308
United States
+1 844-741-9300
