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Fast
No credit check, no credit pull. Report on payments to all 3 bureaus.
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Affordable
Starting at $5/month, enjoy tools designed to help you build and grow your credit.
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+86 pts*
Users with starting credit under 600 grew an average of +86pts in just a year with on-time payments.
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Secure
Bank-level security keeps your data safe.
🚀 +86 points*
Users with starting credit under 600 grew an average of +86pts in just a year with on-time payments.

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* Average first-year credit score impact of +86 points between Dec-2024 & Dec-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.