A Kikoff Credit Account is one of the most responsible and affordable ways to build credit -- no deposit or credit check required to get started.
By signing up with a membership, you pay only $2 a month with 0% interest and no additional fees. We report your Kikoff account to the major credit bureaus as a credit line -- with each monthly payment, you build payment history. We’ll help you be successful by sending payment reminders (plus you have the option to turn on AutoPay!)
Kikoff is a safer way to build credit. For those of us who have struggled with credit card debt, this is also a way to build credit without the temptation of going into debt.
Kikoff is an official data furnisher for Equifax and Experian. We report all customers’ monthly payments to Equifax and Experian.
Most lenders check two bureaus and mortgage lenders are required to check all three bureaus, so our members are well-covered.
We work closely with all the bureaus and are constantly improving our services, so keep in touch for more updates!
Kikoff addresses three factors that determine 80% of your credit score: payment history, credit utilization, and account age.
Payment history (35%) is the single most important factor in your score. It looks at whether you’ve paid past credit bills on time. We report your monthly Kikoff payments to the major credit bureaus. Each one builds your payment history - and your credit.
Credit Utilization (30%) is how much credit you’re using divided by your credit limit. The lower this ratio, the better. Experts recommend below 10%, and the Credit Account gets you utilization as low as 2%.
Account age (15%) is the average age of all your credit accounts. The Kikoff Credit Account never expires, so keeping it open will continue to grow your credit.
It can take up to 6 weeks for Kikoff to show up on your credit report depending on when in the month you signed up. Kikoff reports everyone’s payments at the end of every month. After that it can take up to 2 weeks to be processed and added to your credit report.
We help you keep track of your score by having it available on your account. We'll also email you with any updates. Just keep checking in, and remember it's about the long haul!
We’ve helped hundreds of thousands of people build credit. We’re officially recognized by the major credit bureaus, and Silicon Valley’s biggest investors trust and back Kikoff.
But don’t just take our word for it--look at all the positive testimonials we’ve gotten on social media and YouTube!
Kikoff is 100% committed to your data privacy and security. We always use bank-level encryption in all data transmissions. We use your data for identity verification with the credit bureaus, fraud prevention, and to comply with federal laws. We will never share or sell your data to third parties without explicit consent.
We’ve experienced firsthand how scary credit building can be, especially for those who can’t afford to take chances with it. So we built a tool that strives to bring financial opportunity to everyone. We’ve been there, we know how it is, and we want to offer you something better.
Kikoff does NOT pull your credit.
We believe in helping you build credit easily so you can reach your financial goals. We don’t check your score, we just help you build it.
Credit utilization refers to how much of your credit limit you use at any given time. You can figure out your credit utilization rate by dividing your total account balance by your total credit limit. We calculate this for you and you can see your credit utilization directly on your Kikoff Dashboard.
Most experts recommend keeping your overall credit card utilization below 10%. Lower credit utilization rates suggest to creditors that you can use credit responsibly.
Payment history makes up 35% of your credit score. It looks at whether you’ve paid past credit bills on time. This is the single most important factor in your credit score.
We’ll report your monthly payments with the Credit Account to the major credit bureaus. Each one builds your payment history--and your credit.
Kikoff is currently available in 45 states and covers 97% of the US population. We are working hard to be available in all 50!
We are currently NOT available in in the following US states:
Of course! Your debt is your debt, and you should be able to settle it whenever you want.
Our goal is to improve your credit history, so we encourage you to pay over time. But if you need to pay the full balance early, you can do so directly on your Kikoff dashboard.
A Kikoff membership is reported to the credit bureaus as a ‘revolving credit line’. We’ve specifically designed it this way to help you maximize credit.
This is different from traditional installment loans -- think car loans or student loans. A mix of account types is great for your credit!