We help you establish positive payment history and lower utilization, both important factors for raising your credit score.
No hard pulls required
With the optional Autopay, never worry about due dates.
With our credit monitoring reports, see insights like problem areas so you stay on track to increase your score.
Join over a million people building their credit with Kikoff.
Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.
Kikoff offers 2 products:
The Kikoff Credit Account is a revolving line of credit that gets reported to Equifax and Experian.
You are able to use the Kikoff Credit Account to finance the purchase of goods and services from Kikoff.
Unlike a credit card, the Kikoff Credit Account can only be used to make purchases from Kikoff (e.g. can’t buy gas or groceries). There is no physical card with the Kikoff Credit Account.
On average, customers with credit scores under 600 increase their credit scores by 58 points, with consistent on-time payments during the account lifetime. Many Kikoff customers have been able to qualify for better car loans, mortgages, credit cards, personal loans, and more.
Keep in mind, credit building is a long-term habit – like eating healthy or working out – so the most important thing is to make good financial habits: make your payments on-time, keep your utilization low, and practice good financial habits.
 Credit Score Increase: Based on Kikoff customers that used the Credit Account product and made consistent on-time payments during account lifetime. This data is based on observed VantageScore 3.0 credit score changes. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.
Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion.
Please note that reporting depends upon which Kikoff products you have:
With Kikoff, there are no additional fees.
You are responsible for paying back any purchases financed by the Kikoff Credit Account, but there are no additional interest fees, late fees, or other fees.