Tap into better credit.df
Credit-building & financial tools, made easy.
80
M+
total points increased2
One tap. Score big.1
+
84
pts3
on avg. for users with starting credit under 600 in a year with on time payments
Plans start at
$
5
/month1
The most-loved credit builder.
Since 2019, we've helped millions of people just like you take control of their financial future.
Featured in:
Build credit, fast.
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
More1 ways to score, all in one place.
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.
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.
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.
For Premium & Ultimate users.
Subscription Management
Put money back in your pocket and cancel your unwanted subscriptions with ease.
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.
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.
For Ultimate users.
Plans & pricing
Basic plan
$5/mo
Our most popular plan.
$750 reported Kikoff Tradeline1
Reports to Equifax, Experian, & TransUnion
Weekly credit report
Tools, tracking, & insights
Bank-level security & support
Premium plan
$20/mo
The best value.
All the perks of Basic
$2,500 reported Kikoff Tradeline1
Access to Kikoff Secured5 Credit Card
Rent Reporting
Debt Negotiation
Ultimate plan
$35/mo
Our most powerful plan.
All of the perks of Basic & Premium
$3,500 reported Kikoff Tradeline1
Access to Kikoff Secured5 Credit Card
$1M Identify theft insurance
Rent Reporting
Debt Negotiation
Personal data protection
Basic plan
$5/mo
Our most popular plan.
$750 reported Kikoff Tradeline1
Reports to Equifax, Experian, & TransUnion
Weekly credit report
Tools, tracking, & insights
Bank-level security & support
Premium plan
$20/mo
The best value.
All the perks of Basic
$2,500 reported Kikoff Tradeline1
Access to Kikoff Secured5 Credit Card
Rent Reporting
Debt Negotiation
Ultimate plan
$35/mo
Our most powerful plan.
All of the perks of Basic & Premium
$3,500 reported Kikoff Tradeline1
Access to Kikoff Secured5 Credit Card
$1M Identify theft insurance
Rent Reporting
Debt Negotiation
Personal data protection
Kikoff customer story
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
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
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
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
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
Oakland, CA
Have questions?
Can I use my Kikoff tradeline on 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
On avg for users with starting credit under 600 in a year with on time payments
