Everything to know about the

Kikoff Credit Account

1. Sign up for a ⁨Kikoff Credit Account⁩

You’ll be instantly approved so you can get started that same day. We don’t do a credit check. We definitely don’t do a hard pull on your account, which could negatively impact your score.

2. Buy something on credit

You’ll have a $⁨750⁩ line of credit to use for Kikoff purchases. This doesn’t expire, so you can continue building your credit on your schedule.

Choose from a variety of items from our store, starting at just $10. You’ll make your purchase with the ⁨Kikoff Credit Account⁩.

payment screenshot

3. Build payment history every month

Every on-time payment you make will help you build your credit. All it takes is one click—and we’ll send you reminders to make sure.

The first payment will be due around three weeks after you make your purchase. Then they’ll be on the same day of the month, every month.

You can keep track of your remaining balance and credit score at any time, on your Kikoff account.

How Kikoff helps

The Credit Account addresses three key factors that determine your credit score: payment history, credit utilization, and average account age.

Payment History

This is the single most important factor in your credit score. Payment history looks at whether you’ve paid past credit bills on time.

The ⁨Credit Account⁩ encourages a long payment history, giving you maximized credit building power.

We’ll report each of your monthly payments to the major credit bureaus. Each report builds your payment history—and your credit.

Credit Utilization

This is the ratio of how much credit you’ve used to how much you can use, or your credit limit. The lower this ratio, the better for your credit.

We designed the ⁨Credit Account⁩ for extremely low utilization rates. Our store items start at only $10, which means buying one on credit could run you a rate of only 2%.

payment screenshot

Account Age

The older your accounts, the better. The ⁨Credit Account⁩ doesn’t expire—so keeping it open will continue to increase your average account age.

When you initially open a ⁨Credit Account⁩, you may notice your account age drops. But remember this drop is only short term! Starting a new account can bring your average age down—but keeping it open will push that age up. Opening a ⁨Credit Account⁩ gives you a long term positive with age.

Plans & pricing

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
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
Access to Kikoff Secured3 Credit Card
Rent Reporting
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
Access to Kikoff Secured3 Credit Card
$1M Identify theft insurance
Rent Reporting
Bill Reporting
Track and Manage Spending
Debt Negotiation
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
Premium plan
Kikoff Premium
$20/mo
The best value.
All the perks of Basic
$2,500 reported Kikoff Tradeline1
Access to Kikoff Secured5 Credit Card
Rent Reporting
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
Access to Kikoff Secured5 Credit Card
$1M Identify theft insurance
Rent Reporting
Debt Negotiation
Bill Reporting
Personal data protection
How does Kikoff work?
Is this a credit card?
How much will Kikoff improve my credit score?
Is this a credit card?
Are ther other fees?

Ready to score?

+
86
pts*

On avg for users with starting credit under 600 in a year with on time payments

Build credit fast
Build credit fast
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.