Everything you need to know about building credit with Kikoff.






Sign up in minutes with your email & verify your identity with your Social Security Number or TIN.
Once verified, you'll be approved1 for a Kikoff tradeline1.
A tradeline is the industry term for an account listed on a credit report, like credit cards and loans.
Keeping track of your credit is key to building it. Kikoff makes it easy.
Select a monthly plan that fits your goals —for as little as $51 a month.

Each month, you’ll finance the cost of your plan with your Kikoff tradeline and repay us with your favorite debit card 💳. Think about it like building credit, with credit.
A tradeline is the industry term for an account listed on a credit report, like credit cards and loans.
Your Kikoff tradeline balance & low monthly repayment are reported to Equifax, Experian, and TransUnion every month.

Consistent on-time payments are the most important credit building factor. We will report each of your monthly payments to the three major credit bureaus. On-time payments can help develop your payment history, which can help build your credit.
The percentage of credit you’re using out of the total you have available. Ideally you want to use 30% or less of your total available credit, and the lower your usage, the better. We designed all of our plans to have extremely low utilization rates. Maintaining a tradeline with minimal use is an excellent way to show credit bureaus and lenders that you're a reliable borrower.
The average age of your open credit accounts. Your Kikoff account doesn’t expire, which can help you grow your average account age over time.
Kikoff adds to your credit profile, which can help diversify your credit mix.

Kikoff Disputes
Rent Reporting
Bill Reporting
Kikoff Debt Negotiation
Full monthly reports from Equifax, Experian, & TransUnion
$1M Identity theft insurance
Privacy Protection
No. Your Kikoff tradeline is designed exclusively for building credit and can’t be spent outside of Kikoff.
No, credit ratings are based on multiple factors, and Kikoff is only a part of your entire credit story. Late payments must be reported to the credit bureaus, which can hurt your credit. Consistent, on-time payments are the best way to ensure positive reporting - that’s why Kikoff has tools like Autopay, which make on-time payments a breeze.
No. The Kikoff plans are exclusively for building and monitoring credit.
Kikoff offers a secured3 card, but it is a separate service available to our Premium and Ultimate users.
You do not get money back after completing your Kikoff Credit Service plan, it is not a credit builder loan.
