It can take up to 6 weeks for your Kikoff activity to show up on your credit report, depending on which day of the month you signed up. Kikoff reports everyone’s payments at the end of every month, which can take up to 2 weeks to be processed by the credit bureaus and added to your credit report.
There are no hard credit checks to sign up for Kikoff.
Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion. Kikoff reports your accounts at the start of every month.
Kikoff's dispute tool is free for anyone to use. After making an account, you can access your credit report from Equifax for free and use the dispute tool to flag any errors and send them to Equifax for review.
Kikoff is available in all 50 states.
Signing up for Kikoff gives you access to a Kikoff tradeline, which lets you finance one of our monthly credit-building plans by making low monthly payments over time.
Kikoff customers with credit under 600 who make consistent on-time payments grow their credit by an average of +86 points*. In addition to strengthening key credit factors, Kikoff also helps customers establish positive financial habits and improve credit literacy, helping them qualify for auto financing, mortgages, credit cards, personal loans, and more.
Of course! We want you to be in control of your finances, and you are always welcome to cancel your Kikoff account at any time.
Note: If you’ve already made a payment to Kikoff, closing your account could negatively affect the average account age of your overall credit profile. Keeping your account open and continuing to make your monthly plan payments helps you continue to build credit over time.
Kikoff products address all the major factors of your credit score: payment history, credit utilization, account age, and credit mix. Together, these factors make up 90% of your credit score.
Payment history (35%) is the single most important factor in your score. It looks at whether you’ve paid past credit bills on time. Kikoff helps build 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. Responsibly using your Kikoff tradeline can help you maintain low credit utilization.
Account age (15%) is the average age of all your credit accounts.
Credit Mix (10%) means you can manage different types of credit products, such as a car loan, credit card, student loan, etc. Signing up for Kikoff helps diversify your credit mix.
We’re officially recognized by the major credit bureaus, and Silicon Valley’s biggest investors trust (and have invested in) Kikoff. But don’t just take our word for it — we’ve helped over one million people build credit, and we have over 150k+ 5-star reviews across our mobile apps (iOS + Android).
Kikoff is 100% committed to your data privacy and security. We use state-of-art encryption in all data transmissions. We use your data to verify your identity with the credit bureaus 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 — that’s why we built a tool that strives to bring financial opportunity to everyone.
Kikoff is a credit-building service that can help you build credit safely and responsibly. Kikoff is designed to target key credit factors by giving customers access to a Kikoff tradeline and a monthly Kikoff plan (which your Kikoff tradeline is used to finance). Let’s break it down:
Credit utilization refers to how much of your credit limit you are using at any given time. You can figure out your credit utilization rate yourself by dividing your total account balance by your total credit limit. To make it easy and convenient, we calculate this for you directly on your Kikoff dashboard.
Most experts recommend keeping your overall credit card utilization below 15%, which suggests to creditors that you can use credit responsibly. To help you build credit quickly, new customers typically see less than 15% utilization on their Kikoff balance (considered an excellent utilization rate).
Your Kikoff tradeline is not a credit card or traditional loan. It’s a secure, revolving line of credit that is intended exclusively for credit-building — not for everyday purchases like gas or groceries. Your Kikoff tradeline is essentially a payment method: you’ll use it to finance the cost of your monthly Kikoff plan, and then pay back that cost each month with your personal debit card or bank account.
Yes, we have both Android and iOS apps with over 150k+ 5-star reviews. Our app is the best way to get important updates about your credit progress and ensure you’re getting the most out of your Kikoff plan. Download the app here.
Credit building on your terms. Plans from $5/month.
On avg for users with starting credit under 600 in a year with on time payments
