SPECIAL 80% OFF PROMO

The faster way to build credit

Plans from $5/month
No credit check
No hidden fees
No interest
BBB A+ Rated: the highest standard for customer trust

A S   S E E N   O N

SPECIAL 80%* OFF your 1st month Promotion

The Kikoff Secured Card has retired.
Everything else that builds your credit is still here.

The Secured Card may be gone, but your options to build better credit aren't. Kikoff still offers a full set of credit-building tools designed to grow your score. 

No credit check
No hidden fees
No interest

A S   S E E N   O N

*Promotional discount of 80% applies exclusively to the Month 1 base cost of any 12-month Kikoff plan: Basic ($5), Premium ($20), or Ultimate ($35). Offer available for new customers only, limit one per customer.
Subject to approval & identity verification. Terms & conditions may apply.

Still the most-loved credit builder.

Since 2019, we've helped millions of people just like you take control of their financial future.

350K+

User Reviews

+86pts*

ON AVG IN ONE YEAR

4.9

APP STORE RATING

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
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
Debt Negotiation
Our debt negotiation team can help settle outstanding debt, even those that negatively impact your credit.
Learn more
For Premium & Ultimate users.
Rent Reporting
Learn more
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.
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.

How it works

How it works in

3 simple steps

45 days money back guarantee4

Step 1

Sign up in minutes1 with no credit check. No hidden fees or interest.

Build credit safely with

3 simple steps

45 days money back guarantee4

Step 2

Pick a plan that fits your goals, starting at $5/mo1. Make on-time payments to start building credit.

Build credit safely with

3 simple steps

45 days money back guarantee4

Step 3

Take your credit even further with powerful extra1 features. Dispute errors. Negotiate debt1. Build credit with the rent1 you already pay. And more.

45 days money back guarantee4

Step 1

Sign up in minutes with no credit check. No hidden fees or interest.

45 days money back guarantee4

Step 2

Pick a plan that fits your goals, starting at $5/mo1. Make on-time payments to start building credit.

45 days money back guarantee4

Step 3

Take your credit even further with powerful extra1 features. Negotiate debt1. Build credit with the rent you already pay1. And more.

We’ve helped people grow their credit by a total of 9.6M points1

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

Each time I was checking my credit, points were just accumulating. My credit has improved 156 points with Kikoff.

Marquita
Oakland, CA

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

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
Debt Negotiation
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
Debt Negotiation
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 Identify theft insurance
Bill Reporting
Personal data protection

Have Questions

Can I buy things like gas and groceries with my Kikoff tradeline?
Can Kikoff guarantee better credit?
Are the Kikoff plans a secured credit card?
Do I get my money back at the end of my time on Kikoff?

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.