Kikoff Bill Reporting

Get credit for your utility payments

Kikoff makes it easy to report your bills & start building credit1
Reported to TransUnion monthly
Report up to 2 years of past payments
Only positive payments are reported
Popular bills:

Let your bills build credit.

Cellular/Phone bills

Kikoff reports phone bills from T-Mobile, Verizon, AT&T, Cricket, Mint, and more to build your credit.

Get Started
For illustrative purposes only

Electricity bills

Your power, water, and gas bills leave a mark on the wallet. Let them make a positive mark on your credit with Bill Reporting.

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Build more credit at no extra cost.

You’re already paying your bills. They should be in your credit history too.

Get Started
For illustrative purposes only

Bill Reporting as easy as 1, 2, 3

45 days money back guarantee4

Step 1

Sign up in minutes1 with no credit check. No hidden fees or interest.

45 days money back guarantee4

Step 2

Pick a plan that fits your goals, starting at $5/mo1. Make on-time payments to start building credit.

45 days money back guarantee4

Step 3

Take your credit even further with powerful extra1 features. Dispute errors. Negotiate debt1. Build credit with the rent1 you already pay. And more.

45 days money back guarantee4

Step 1

Link the bank account you use to make your utility payments

45 days money back guarantee4

Step 2

Identify which bills payments you would like reported

45 days money back guarantee4

Step 3

Kick back and relax. Your utility payments will start getting automatically reported

More1 ways to score, all in one place.

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.
Fynn – AI Credit Coach
An AI-powered credit coach that helps you understand your credit, improve your score, and make smarter financial decisions. Get personalized insights and actionable recommendations tailored to your credit profile and goals.
Learn more
Credit monitoring
Track changes to your credit, get monthly credit reports from all three credit bureaus, and discover tips to improve your credit, and understand key credit factors.
Learn more
Learn more
Debt Negotiation
Kikoff's AI debt negotiation feature can help settle outstanding debt, even those that negatively impact your credit.
Learn more
For Premium & Ultimate users.
Rent Reporting
Get credit for the rent you already pay. We’ll report successful rental payments to Equifax and TransUnion. Report up to 2 years of prior rental payments with a one-time fee of $50.
Learn more
Bill Reporting
Put your monthly bills to work for you. We’ll report your phone, electricity, natural gas, and water payments to TransUnion each month. This can help you build credit even faster — and we won't report late payments.
Learn more
For Premium & Ultimate users.
Privacy protection
Tired of spam calls? Remove your personal information from data brokers & third party data resellers. Kikoff constantly monitors the web for new exposures to safeguard your privacy.
Learn more
For Ultimate users.

Plans & pricing

Credit building on your terms. Plans from $5/month.

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.
Basic plan
$5/mo
Our most popular plan.
Kikoff Basic
$750 reported Kikoff tradeline1
Reports to Equifax, Experian, & TransUnion
Weekly credit report
Rent Reporting to Equifax & TransUnion**
Tools, tracking, & insights
Bank-level security & support
Premium plan
Kikoff Premium
$20/mo
The best value.
All the perks of Basic
$2,500 reported Kikoff tradeline1
Bill Reporting
Track and Manage Spending
Debt Negotiation
Bill Reporting
Ultimate plan
Kikoff Ultimate
$35/mo
Our most powerful plan.
All of the perks of Basic & Premium
$3,500 reported Kikoff tradeline1
$1M Identity theft insurance
Bill Reporting
Personal data protection
Basic plan
$5/mo
Our most popular plan.
Kikoff Basic
$750 reported Kikoff Tradeline1
Reports to Equifax, Experian, & TransUnion
Weekly credit report
Tools, tracking, & insights
Bank-level security & support
Rent Reporting
Premium plan
Kikoff Premium
$20/mo
The best value.
All the perks of Basic
$2,500 reported Kikoff Tradeline1
Bill Reporting
Track and Manage Spending
Debt Negotiation
Bill Reporting
Ultimate plan
Kikoff Ultimate
$35/mo
Our most powerful plan.
All of the perks of Basic & Premium
$3,500 reported Kikoff Tradeline1
$1M Identity theft insurance
Bill Reporting
Personal data protection

Trusted and loved by our customers

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

Have questions?

Is Kikoff Bill Reporting worth it?
Can bill payments really help my credit score?
Which Kikoff plan includes Bill Reporting?
Does Kikoff Bill Reporting report late payments?
Which credit bureau does Kikoff Bill Reporting report to?
Which bills can I report with Kikoff?
How does Kikoff Bill Reporting work?
What is Kikoff Bill Reporting?

Start getting credit for the bills you already pay.

Sign up
Sign up
No Credit Check. No interest.
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.