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Understanding your credit score

Poor (300–579)

Lenders see the most risk in this range, so approvals are limited and the offers that do come through cost more. About 15% of U.S. consumers score here.

This is where building a payment history matters most. Secured cards and credit-builder products like the Kikoff Credit Account report to the bureaus without requiring a score you already have.

Fair (580–669)

Below average, and often called subprime. Some approvals come through, but pricing runs higher and the best card offers stay out of reach.

580 is the number to know if you plan to buy a home. It is the FHA’s threshold for a 3.5% down payment, against 10% down below it.

Good (670–739)

Near average, and the point where most lenders consider you a solid applicant. The national average FICO Score is 714, and 70% of U.S. consumers score 670 or higher.

Mainstream credit is available on competitive terms. Progress from here is slower, and comes from on-time payments and low balances over time.

Very Good (740–799)

Above average, and where the better pricing starts. Mortgage lenders in particular tend to draw their best rate tier at 740.

Your score is doing the work for you here. Keeping utilization low and inquiries rare protects that more than any new account will improve it.

Excellent (800–850)

The top of the scale, which FICO calls “exceptional.” Just under a quarter of U.S. consumers score here, the highest share on record.

Gains above 800 are mostly symbolic, since most lenders price 800 and 850 the same. Holding it is routine: pay on time and keep balances low.

Ranges follow FICO Score 8; VantageScore 4.0 uses the same 300–850 scale with different tiers. Approval examples are typical outcomes, not offers — lenders set their own criteria, and FHA’s 580 and 500 thresholds are HUD floors that many lenders raise to 620 or higher. Score statistics: FICO Score Credit Insights, spring 2026; Experian, September 2025.

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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.

What factors make up your credit score?

  • Payment history, about 35%
  • Credit utilization, about 30%
  • Account age, about 15%
  • Credit mix, about 10%
  • New credit, about 10%

Payment history

Whether you’ve paid your credit accounts on time. It’s the largest piece of your score, and it looks at your whole reported record, including on-time payments, any late ones, how late they were and how recently they happened.

How Kikoff helps

The Kikoff Credit Account reports a payment to Equifax, Experian and TransUnion every month, so each on-time payment adds to the history lenders look at.1

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Credit utilization

How much of your available credit you’re using (your balances measured against your limits). Lower is generally better, and carrying high balances can weigh on your score even when you pay every bill on time.

How Kikoff helps

The Kikoff Credit Account is designed to sit at low utilization on its own line. Your overall ratio still depends on your other accounts.1

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Account age

How long you’ve been using credit. This takes in the age of your oldest account, your newest one, and the average across all of them. A longer track record generally counts in your favor.

How Kikoff helps

Opening any account lowers your average age at first. The Kikoff Credit Account has no set end date, so the longer you keep it open, the more it works for that average.1

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Credit mix

The range of credit types on your report, including revolving accounts like credit cards and lines of credit, and installment accounts like auto, student or home loans. Handling more than one type can work in your favor.

How Kikoff helps

The Kikoff Credit Account adds a revolving line to your report, which can help your mix if you already have other types of credit on it.1

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New credit

How much credit you’ve opened or applied for lately. Applications usually add a hard inquiry to your report, and several in a short stretch can hold your score back for a while.

How Kikoff helps

Kikoff doesn't run a credit check, so opening an account won't add a hard inquiry to your report. The account will still show up as new credit.

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Factor weights are FICO’s published approximations for the general population and are not exact. The labels above are plain-language versions of FICO’s categories, and VantageScore weights these factors differently. Source: myFICO, “What’s in my FICO® Scores?”, accessed August 5, 2026.

1 Refers to the Kikoff Credit Account. Pricing, approval requirements, tradeline scope and late-payment terms apply — see Kikoff’s disclosures. Individual results depend on your own credit profile, and Kikoff does not guarantee any particular score change. This section is for informational purposes only and does not constitute financial, legal or tax advice.

Get your credit score for free, no credit check:
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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.

Construye crédito,

Los planes Kikoff¹ se reportan a las tres agencias de crédito, lo que puede ayudar a mejorar tu historial de pagos, tu utilización, y la antigüedad de tus cuentas.

Construye historial de pagos

Nunca ha sido tan fácil establecer un buen historial.

Reduce tu utilización de crédito

Tu línea de crédito de Kikoff + tu plan Kikoff = una mejor relación de utilización¹.

Antigüedad de crédito

Tu cuenta Kikoff¹ no expira, lo que ayuda a que tu historial de crédito envejezca como un buen vino.

What is a VantageScore credit score?

The free score you'll get from Kikoff is a VantageScore, one of several credit scores you have. It's the score most free services use, and it was built by the same three credit bureaus that keep your credit report.

If it doesn't match a score you've seen somewhere else, that's normal. Different scores use slightly different math. They're all measuring the same thing: how likely you are to pay back what you borrow.

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Más formas de subir tu puntaje, todo en un solo lugar.

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
Haz seguimiento a los cambios en tu crédito, recibe reportes mensuales de las tres agencias y descubre consejos para mejorar tu crédito y entender los factores clave.
Más información
Monitoreo de crédito
Monitorea los cambios en tu crédito, obtén reportes mensuales de las tres agencias de crédito, descubre consejos para mejorar tu historial y comprende los factores clave que influyen en tu calificación crediticia.
Más información
Más información
Reporte de Renta
Obtén crédito por la renta que ya pagas. Reportaremos tus pagos de renta exitosos a Equifax. Reporta hasta 2 años de pagos anteriores con una tarifa única de $50.
Más información
Reporte de Servicios
Pon tus servicios mensuales a trabajar para ti. Reportaremos tus pagos de teléfono, luz, gas natural y agua a TransUnion cada mes. Esto puede ayudarte a construir crédito aún más rápido — y no reportamos pagos tardíos.
Más información
Para usuarios Premium y Ultimate.
Protección de Privacidad
¿Cansado de las llamadas spam? Elimina tu información personal de corredores de datos y revendedores de información. Kikoff monitorea constantemente la web para detectar nuevas exposiciones y proteger tu privacidad.
Más información
Para usuarios Ultimate.

Confiado y amado por nuestros clientes

Cada vez que estaba comprobando mi crédito, los puntos apenas se iban acumulando. Mi crédito ha mejorado 156 puntos con Kikoff.

Marquita
Oakland (California)

Estaba listo para limpiar mi crédito pero no tenía un montón de opciones. Kikoff trabajó y aún no sé cómo. Hasta 700 después de un año.

Sammy
Detroit (MI)

no pude conseguir un auto para salvar mi vida n Kikoff me ayudó a conseguir de 545 a como 6 algo en como 2 meses. def funcionó para mi!!!! gracias yoouuuuuu ⭐️⭐️⭐️⭐️⭐️

Lila
Atlanta (Georgia)

Mi crédito fue en los 400s... Ni siquiera sabía que el crédito podría ir tan bajo. Ahora es en los 600s. Ni siquiera lo pienses, solo regístrate.

Keshawn
Oakland (California)
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No hidden fees, no score impact.
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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.

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