Kikoff Credit Disputes

AI-Powered Credit Disputes

Kikoff's AI-powered tool helps you find and dispute errors on your credit report, generating personalized dispute letters with just a few taps.
Get Started
Featured in:
Kikoff makes it easy!

How it works

01

Log into your Kikoff account

Sign up for Kikoff
1
01

Pick the item you want to dispute

Select an error or inaccuracy on your credit report. Kikoff's AI will draft a personalized dispute letter tailored to your situation.

2
02

Choose your delivery method

Mail it yourself for free, or let Kikoff handle the postage and paperwork for you (available on Premium and Ultimate plans).

Kikoff Premium
Premium Plan

Our most balanced plan.
Packed with extra features.

Kikoff Ultimate
Ultimate Plan

Our most powerful plan.
Everything, plus protection.

3
03

You're all set!

We'll take it from here and keep you posted as your dispute moves forward.

Get started
4
Kikoff Debt Negotiator requests relief offers

The Kikoff Debt Negotiator helps you take control—giving you access to request relief offers for charge-offs and collections on your credit report.

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
Get Started
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
Get Started
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
Get Started
Basic plan
Premium plan
Ultimate plan
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
Get Started
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
Get Started
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
Get Started

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?

Will disputing errors improve my credit score?
Are Kikoff's dispute letters FCRA-compliant?
Does Kikoff mail my dispute for me?
What kinds of errors can I dispute with Kikoff?
Is Kikoff AI Credit Disputes free?
How does Kikoff AI Credit Disputes work?
What is Kikoff AI Credit Disputes?

Get Started

Take charge of your credit

Sign up for Kikoff
Sending Disputes via Kikoff is free. If you want to send a dispute letter but don't want to sign up for a credit account, please email your latest credit report to disputecreditreportupload@kikoff.com, and we will get back to you


Kikoff Basic
$5/mo
Our most popular plan.
Low cost, no frills.
Plan includes:
$750 Kikoff tradeline1
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Kikoff Premium
$20/mo
Our most balanced plan.
Packed with extra features.
Plan includes:
$2500 Kikoff tradeline1
Rent Reporting
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Start Premium
Kikoff Ultimate
$35/mo
Our most powerful plan.
Everything, plus protection.
Plan includes:
$3500 Kikoff tradeline1
Rent Reporting
$1M Identify theft insurance
Personal data protection
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Start Ultimate