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.
Kikoff plans1 report to all three credit bureaus which can help improve your payment history, utilization, and account age.
Build payment history
Establishing a strong track record has never been easier.
Lower credit utilization
Your Kikoff tradeline + Kikoff plan = a better1 utilization ratio.
Age of credit
Your Kikoff1 account doesn’t expire, which helps your credit profile age like a fine wine.
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.
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.
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.
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.
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.
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.
