Kikoff Debt Negotiation

Tackle debt and build credit with Kikoff

Kikoff’s new AI-powered tool helps negotiate offers on your behalf, making it easier to manage debt with less hassle and more confidence.
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Kikoff makes it easy!

How it works

01

Log into your Kikoff account.

Sign up for Kikoff
1
02

Let Kikoff AI Debt Negotiation work out an offer for you

Select one eligible debt to start. You'll be able to request offers for additional debts in the future.

Kikoff Premium
Premium Plan

Our most balanced plan.
Packed with extra features.

Kikoff Ultimate
Ultimate Plan

Our most powerful plan.
Everything, plus protection.

2
03

Request a money-saving offer for your collection account

We will contact the collector!

With your permission, we’ll contact the collector to request a money-saving offer to resolve your collection account.

3
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.

04

Review and accept your offer.

You’ll typically be notified of any available offers within five business days.  Accept your offer before it expires to lock it in!

Get Started
4

More ways to score1, 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 – Financial Coach
An AI-powered financial coach that helps you understand your credit, improve your credit health, and make smarter financial decisions. Get personalized insights and actionable recommendations tailored to your credit profile and goals.
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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.
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Learn more
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.
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.
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
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
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?

Does settling debt affect my credit score?
Do I have to accept the offer Kikoff negotiates?
What types of debt can Kikoff negotiate?
Which Kikoff plan includes AI Debt Negotiation?
How does Kikoff AI Debt Negotiation work?
What is Kikoff AI Debt Negotiation?

Get Started

Kikoff Debt Negotiation

Sign up for Kikoff
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