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SPECIAL 80%* OFF your 1st month Promotion

The faster way to build credit

No credit checks, hidden fees, or interest.
Plans from $5/month

No credit check
No hidden fees
No interest

A S   S E E N   O N

*Promotional discount of 80% applies exclusively to the Month 1 base cost of any 12-month Kikoff plan: Basic ($5), Premium ($20), or Ultimate ($35). Offer available for new customers only, limit one per customer.
Subject to approval & identity verification. Terms & conditions may apply.

L O V E D   B Y   M A N Y

Credit goals?
Whether you need a loan or new wheels, better credit can help.

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

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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.

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For illustrative purposes only
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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.

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Track progress & tackle goals
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Build credit with rent payments1
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Flag errors & file disputes in minutes

Kikoff Credit Service

Plans & pricing

Kikoff Basic

$5/mo
Kikoff Basic
Our most popular plan.
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

Kikoff Premium
$20/mo
Our most balanced plan.
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

Kikoff Ultimate
$35/mo
Our most powerful plan.
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
Kikoff services may result in bank fees when customer accounts are debited. Banks may charge nonsufficient fund fees, overdraft fees, or other fees. Credit cards may also incur interest charges. Kikoff is not responsible for any bank fees. Competitor secured credit cards refers to secured credit cards other than Kikoff.

Reviews

Each time I was checking my credit, points were just accumulating. My credit has improved 156 points with Kikoff.

Marquita
Oakland, CA

I was ready to clean up my credit but I didn't have a ton of options. Kikoff worked and I still don't know how. Up to 700 after a year.

Sammy
Detroit, MI

i couldn't get a car to save my life n Kikoff helped get me from 545 to like 6 something in like 2 months. def worked for me!!!! thank yoouuuuu ⭐️⭐️⭐️⭐️⭐️

Lila
Atlanta, GA

My credit was in the 400s.... I didn't even know credit could go that low. Now it's in the 600s. Don't even think about it, just sign up.

Keshawn
Oakland, CA