Have questions?

How long does it take for Kikoff to appear on my credit report?
Is there a credit pull to apply?
Which bureaus does Kikoff report to?
How do I use Kikoff's dispute tool?
Is Kikoff available in my state?
What can I buy with Kikoff?
How much will Kikoff help me grow my credit?
Can I cancel my Kikoff Credit Account?
How does Kikoff help to build my credit?
Why can I trust Kikoff?
How does Kikoff work?
What is credit utilization and how does it help me?
Are there other fees?
Is this a credit card?
Is there a Kikoff app?

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

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.
Learn more
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.
Learn more
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.

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

Ready to score?

+
86
pts*

On avg for users with starting credit under 600 in a year with on time payments

Build credit fast
Build credit fast
No Credit Check. No interest.
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.