Payment history
The biggest factor in your score. The Kikoff Credit Account reports a payment to Equifax, Experian and TransUnion every month, so paying on time builds your history.1
The Credit Account addresses three key factors that determine your credit score: payment history, credit utilization, and average account age.
Unlike many credit-building apps that rely on loans, Kikoff's credit account actually improves credit utilization, which is the second most important factor in your credit score.
Sign up in minutes with your email & verify your identity with your Social Security Number or TIN.
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 $5 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.
Your Kikoff tradeline balance & low monthly repayment are reported to Equifax, Experian, and TransUnion every month.
The Kikoff tradeline1 is used to finance the purchase of your monthly plan, not everyday items like gas or groceries.
Each month, your balance & repayments are reported to all three major credit bureaus to help you build credit safely. This helps you build payment history, lower your overall credit utilization, and grow your average account age — all key credit building factors.
Since 2019, we've helped millions of people just like you take control of their financial future.
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Credit building on your terms. Plans from $5/month.
