Helping credit builders score.
No credit checks, hidden fees, or interest.

Proven results
Users with starting credit under 600 grew an average of +84pts in just a year with on-time payments2

Trusted by bureaus
The power of Tri-bureau: Kikoff reports to all 3 major credit bureaus: Equifax, Experian, & TransUnion.

Loved by fans
Kikoff is an all-time fan favorite—just ask the internet: 99% of App Store reviews are 4-stars or higher.
Plans from $5/month
For illustrative purposes only

Start with a plan,
skip the credit check
Credit builder plans starting at $5/month* that help you build credit when you pay on time. Sign up in minutes. Cancel anytime.
No credit checks. No hidden fees. No interest.
Score more without breaking a sweat
Your Kikoff tradeline instantly adds to your credit mix, grows your average account age, & can help you to build payment history & lower utilization with on-time monthly payments.
For illustrative purposes only

For illustrative purposes only


More ways to win,
all in one place
Kikoff helps elevate your rise to credit success. Monitor & master key credit tactics with a bottomless credit building toolbox.
Track progress & tackle goals
Build credit with rent payments1
Flag errors & file disputes in minutes
Kikoff Credit Service
Plans & pricing
Kikoff Basic
$5/mo
Our most popular plan.
Low cost, no frills.
Low cost, no frills.
$750 Kikoff tradeline
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
View your Equifax score and full credit report
Kikoff Premium
$20/mo
Our most balanced plan.
Packed with extra features.
Packed with extra features.
$2500 Kikoff tradeline
Rent Reporting
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
View your Equifax score and full credit report
View your Experian score and full credit report
View your TransUnion score and full credit report
Kikoff Ultimate
$35/mo
Our most powerful plan.
Everything, plus protection.
Everything, plus protection.
$3500 Kikoff tradeline
$1M Identify theft insurance
Personal data protection
Rent Reporting
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
View your Equifax score and full credit report
View your Experian score and full credit report
View your TransUnion score and full credit report
Credit building tools
for every step of your journey1
