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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.
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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Kikoff Secured Credit Card5
Build credit with every tap, swipe, or online purchase with the Kikoff Secured5 Credit Card. Available by invite-only, it works like a debit card, with the perks of a credit card — including $0 in-network ATM withdrawals, fee-free overdraft protection, and early payday.
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For Premium & Ultimate users.
Kikoff Disputes
Errors on your credit report can lower your score — Kikoff Disputes can help you remove errors from your credit report for free.
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Debt Negotiation
Our debt negotiation team can help settle outstanding debt, even those that negatively impact your credit.
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For Premium & Ultimate users.
Rent Reporting
Get credit for the rent you already pay. We’ll report successful rental payments to Equifax. Report up to 2 years of prior rental payments with a one-time fee of $50.
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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.
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For Premium & Ultimate users.
Subscription Management
Put money back in your pocket and cancel your unwanted subscriptions with ease.
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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.
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For Premium & Ultimate users.
$1M Identity theft insurance
Identity theft impacts millions of Americans every year. With Ultimate, you’re covered for up to $1M in eligible ID theft losses.
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For Ultimate users.

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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
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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.