Everything you need to build credit. Right in one app.df
Build credit, lower debt, and unlock progress with tools that actually work.
average increase in one year with on-time payments
No predatory fees. Just results.
Radically affordable. Effective. See why millions build with Kikoff.


The Kikoff tradeline 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.
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What's a Kikoff tradeline?
Bank-level security & support
Bank-level security & support
The Kikoff tradeline 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.
Your security is our priority
We use state-of-the-art security to keep your information safe. Need help? Our support team is here for you anytime.
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average increase in one year with on-time payments