Kikoff Credit Account | Competitor Secured Installment Credit Builders | Competitor Secured Credit Cards | |
---|---|---|---|
Administrative fees | $0 | $8.95-$25 | $9 |
Annual fees | $0 | $0 | $25-$35 |
Late fees | $0 | 5% of monthly payment | $15-$38 |
Maximum APR | 0% | 13.50%-15.92% | 17%-23.74% |
Annual finance charge | $0 | $89-$128 | $0 |
Kikoff Credit Account | $0 |
---|---|
Competitor Secured Installment Credit Builders | $8.95-$25 |
Competitor Secured Credit Cards | $9 |
Kikoff Credit Account | $0 |
---|---|
Competitor Secured Installment Credit Builders | $0 |
Competitor Secured Credit Cards | $25-$35 |
Kikoff Credit Account | $0 |
---|---|
Competitor Secured Installment Credit Builders | 5% of monthly payment |
Competitor Secured Credit Cards | $15-$38 |
Kikoff Credit Account | 0% |
---|---|
Competitor Secured Installment Credit Builders | 13.50%-15.92% |
Competitor Secured Credit Cards | 17%-23.74% |
Kikoff Credit Account | $0 |
---|---|
Competitor Secured Installment Credit Builders | $89-$128 |
Competitor Secured Credit Cards | $0 |
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.
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 multiple products.
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 theCredit 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.
Kikoff reports your accounts every month, at the start of the month. Please note we report to different bureaus, depending on which accounts you have: