AI Credit Coach

Meet Fynn, by Kikoff.

The AI Credit Coach that makes reaching your goals as easy as chatting to a friend.

Chat with Fynn

The power of a coach. The muscle of a credit-builder.

Fynn works with Kikoff to help you build credit fast and reach your goals faster with a personalized plan.

Access Fynn on Kikoff
Kikoff Basic
$5/mo
Our most popular plan.
Low cost, no frills.
Plan includes:
$750 Kikoff tradeline1
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Kikoff Premium
$20/mo
Our most balanced plan.
Packed with extra features.
Plan includes:
$2500 Kikoff tradeline1
Rent Reporting
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Start Premium
Kikoff Ultimate
$35/mo
Our most powerful plan.
Everything, plus protection.
Plan includes:
$3500 Kikoff tradeline1
Rent Reporting
$1M Identify theft insurance
Personal data protection
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Start Ultimate
Featured in:

Credit-building, simplified

Whether you’re a credit expert or just getting started, Fynn makes understanding the ins-and-outs of credit easy.

Build Credit
For illustrative purposes only

Crush your goals

Buying a home, leasing a car, or looking for a new credit card? Set a goal and Fynn will create a custom plan to get you there.

Set a Goal

No surprises, just peace of mind

Stop guessing why your credit changed and get clear answers from Fynn based on your credit report (plus steps you can take to improve).

Get Answers
For illustrative purposes only
For illustrative purposes only

Debt-free, faster

By analyzing your credit report and income, Fynn can create a step-by-step plan to help you tackle debt and become financially free.

Tackle Your Debt

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.
Fynn – AI Credit Coach
An AI-powered credit coach that helps you understand your credit, improve your score, 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
Debt Negotiation
Kikoff's AI debt negotiation feature can help settle outstanding debt, even those that negatively impact your credit.
Learn more
For Premium & Ultimate users.
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.
Learn more
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.
Learn more
For Ultimate users.

‍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
Get Started
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
Debt Negotiation
Bill Reporting
Get Started
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
Get Started
Basic plan
Premium plan
Ultimate plan
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
Get Started
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
Debt Negotiation
Bill Reporting
Get Started
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
Get Started

See why Fynn is a real MVP

Fynn put me in a very good space and calmed the anxiety I felt about my credit. I followed Fynn's instructions and my credit raised 50 points. Now I'm in the process of buying a home.

Ziary
‍Cleveland, OH

Fynn told me which credit cards were keeping my score down. I started paying them down and my score has already raised 36 points.

Renada
Nashville, TN

Fynn gave me all the information I needed to start getting out of debt. I started paying them down I'm almost debt free.

Freddie
Indianapolis, IN

Have questions?

Is my information safe with Fynn?
Is Fynn a real person?
Can Fynn help me build credit?
How does Fynn personalize my plan?
Can Fynn help me get out of debt?
How does Fynn help me understand changes to my credit?
Can Fynn help me reach a specific goal?
What can I ask Fynn?
Do I need a Kikoff account to use Fynn?
How does Fynn work?
What is Fynn?

Get Started

Say hello to your new credit coach.

Access Fynn on Kikoff
Kikoff Basic
$5/mo
Our most popular plan.
Low cost, no frills.
Plan includes:
$750 Kikoff tradeline1
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Kikoff Premium
$20/mo
Our most balanced plan.
Packed with extra features.
Plan includes:
$2500 Kikoff tradeline1
Rent Reporting
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Start Premium
Kikoff Ultimate
$35/mo
Our most powerful plan.
Everything, plus protection.
Plan includes:
$3500 Kikoff tradeline1
Rent Reporting
$1M Identify theft insurance
Personal data protection
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Start Ultimate