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Everything you need to build credit. Right in one app.df

Build credit, lower debt, and unlock progress with tools that actually work. 

Build credit fast
Build credit first
No Credit Check. No interest.
+
84
pts*

average increase in one year with on-time payments

No predatory fees. Just results.

Radically affordable. Effective. See why millions build with Kikoff.

Featured in:

Explore our features.

Kikoff Credit Account

Build credit fast by reporting on-time payments and optimizing your credit usage with the Kikoff Tradeline.

Build payment history and lower credit usage to help your credit score grow.

Rent Reporting

Kikoff helps build your credit by reporting on-time rent and utility payments like phone, electricity, gas, and water.

Build Payment History to help your credit score grow.

Disputes

Spot an error? We’ll help you dispute it with the credit bureaus.

Build Payment History to help your credit score grow.

Bill Reporting

Stay on top of monthly bills and spending with ease.

Build Payment History to help your credit score grow.

Kikoff Secured Credit Card4

Build credit with every purchase using the Kikoff Secured Card — like a debit card, with credit perks.

Add Credit Mix to help your credit score grow.

AI Debt Negotiation

Skip the calls. Our AI negotiates directly with creditors to lower your debt.

Let AI handle the hard work when it comes to your debt.

Subscription Cancellations

Save money by canceling unwanted subscriptions.

No need to worry about scam calls and annoying text

Privacy Protection

Tired of spam calls? Kikoff removes your data and protects your privacy

No more scam calls. No more spam texts. Just peace of mind.

$1M Identity TheftInsurance

Identity theft affects millions yearly. Ultimate covers up to $1M in losses.

No more scam calls. No more spam texts. Just peace of mind.

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.
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
Kikoff Secured Credit Card5
Build credit with every tap, swipe, or online purchase with the Kikoff Secured5 Credit Card. Available by invite-only, it works like a debit card, with the perks of a credit card — including $0 in-network ATM withdrawals, fee-free overdraft protection, and early payday.
Learn more
For Premium & Ultimate users.
Kikoff Disputes
Errors on your credit report can lower your score — Kikoff Disputes can help you remove errors from your credit report for free.
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
Get credit for the rent you already pay. We’ll report successful rental payments to Equifax. Report up to 2 years of prior rental payments with a one-time fee of $50.
Learn more
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.
Subscription Management
Put money back in your pocket and cancel your unwanted subscriptions with ease.
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 Premium & Ultimate users.
$1M Identity theft insurance
Identity theft impacts millions of Americans every year. With Ultimate, you’re covered for up to $1M in eligible ID theft losses.
Learn more
For Ultimate users.

Plans & pricing

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/mo2
Our most popular plan.
Kikoff Basic
$750 reported Kikoff Tradeline2
Reports to Equifax, Experian, & TransUnion
View your Equifax score & credit report
Tools, tracking, & insights

Bank-level security & support
Premium plan
Kikoff Premium
$20/mo2
The best value.
All the perks of Basic
$2,500 reported Kikoff Tradeline2
Access to Kikoff Secured5 Credit Card
Rent Reporting Debt Negotiation
Bill Reporting
Bill Reporting
Ultimate plan
Kikoff Ultimate
$35/mo2
Our most powerful plan.
All of the perks of Basic & Premium
$3,500 reported Kikoff Tradeline2
Access to Kikoff Secured5 Credit Card
$1M Identify theft insurance
Rent Reporting
Bill Reporting
Bill Reporting
Personal data protection
Basic plan
$5/mo2
Our most popular plan.
Kikoff Basic
$750 reported Kikoff Tradeline2
What's Kikoff tradeline?
Reports to Equifax, Experian, & TransUnion
Weekly credit report
Tools, tracking, & insights

Bank-level security & support
Premium plan
Kikoff Premium
$20/mo2
The best value.
All the perks of Basic
$2,500 reported Kikoff Tradeline2
What's Kikoff tradeline?
Access to Kikoff Secured5 Credit Card
Rent Reporting Debt Negotiation
Bill Reporting
Bill Reporting
Ultimate plan
Kikoff Ultimate
$35/mo2
Our most powerful plan.
All of the perks of Basic & Premium
$3,500 reported Kikoff Tradeline2
What's Kikoff tradeline?
Access to Kikoff Secured5 Credit Card
$1M Identify theft insurance
Rent Reporting
Bill Reporting
Bill Reporting
Personal data protection

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.

Trusted and loved by our customers

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

Marquita
Oakland, CA

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

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

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

Have questions?

Can I use my Kikoff tradeline to buy things like gas or groceries?
Can Kikoff guarantee better credit?
Are Kikoff plans a Secured Credit Card?
Do I get my money back at the end of my Kikoff plan?

Ready to score?

+
84
pts3

average increase in one year with on-time payments

Build credit fast
Build credit first
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.