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Build credit with Kikoff
Join over a million people already using Kikoff.
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No credit? Low credit?
Kikoff can help.
The safe way to build credit

We help you establish positive payment history and lower utilization, both important factors for raising your credit score.

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No credit check

No hard pulls required

Starts at $5/mo

Cancel anytime

Easy & automatic

With the optional Autopay, never worry about due dates.

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Track your credit journey

With our credit monitoring reports, see insights like problem areas so you stay on track to increase your score.

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We’ve helped members increase credit scores by a total of 9.6M points1
Don’t just take our word for it.

Join over a million people building their credit with Kikoff.


As reviewed on Nerdwallet
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
Have questions?
  • 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:

    1. Kikoff Credit Account - this is a revolving line of credit. This account builds monthly payment history and helps reduce your credit utilization.
    2. Kikoff Credit Builder Loan - this is an additional product for customers with positive payment behavior on Kikoff products. Credit Builder Loan is a 1-year savings plan for $10/month.

  • 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[1], 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.

    [1] 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:

    • Kikoff Credit Account reports to Equifax and Experian.
    • Credit Builder Loan (optional add-on) reports to TransUnion and Equifax.

  • 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.

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