Last Updated: October 9, 2026
Credit Service Details
Individual results may vary. Subject to approval & identity verification. For Kikoff Credit Service, plans start at $5/month for 12 months, for a total of $60, billed monthly. Features may vary depending on the plan purchased. Kikoff tradeline is a Credit Account intended exclusively for financing purchases via the Kikoff Store. Additional terms and conditions may apply. Cancel anytime. Late or missed payments will have a negative impact on your credit. Make on-time payments to maintain account health.
New Mexico residents only – TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER YOU MAY WRITE OR CALL Compliance Director at 633 Folsom St Suite 300 San Francisco, CA 94107; (775) 993-6992.; or at support@kikoff.com. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website NM Regulation & Licensing Dept | Financial Institutions Division.
Individual results may vary. Subject to approval & identity verification. For Kikoff Credit Service, plans start at $5/month for 12 months, for a total of $60, billed monthly. Features may vary depending on the plan purchased. Kikoff tradeline is a Credit Account intended exclusively for financing purchases via the Kikoff Store. Additional terms and conditions may apply. Cancel anytime. Late or missed payments will have a negative impact on your credit. Make on-time payments to maintain account health.
You will only be covered if (1) you report the Stolen Identity Event or an Unauthorized Electronic Fund Transfer to us within 90 days of discovery, and (2) you first discover the Stolen Identity Event or Unauthorized Electronic Fund Transfer while you are enrolled in a Membership Program.
Disclosures Related to Product
Average first-year credit score impact of +86 points between Aug-2024 & Aug-2025 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary.
Rent Reporting reports payment history to Equifax and TransUnion on a monthly basis.
Based on Kikoff’s analysis of VantageScore 3.0 scores, run October 13, 2026, 1.03M Kikoff Credit Account customers who opened an account between January 1, 2024 and May 1, 2026, had a score between 300 and 599 in the 30 days before opening, kept their account open, and did not miss a payment during their first 31 days. These customers saw an average change of +24 points (median: +13) from their starting score to the highest score reached within their first 31 days. Results reflect each customer’s overall credit activity during the period and may not be attributable to Kikoff. Individual outcomes will vary and are not guaranteed. On-time payments may help your score, while late or missed payments may hurt it.
The total of 80 million points increased represents the total combined credit score (VantageScore 3.0) points gained across all Kikoff users between Jan-2019 & July-2025. Individual results may vary.
