>

The fastest way to build credit

No credit checks, hidden fees, or interest.
Plans from $5/month

Credit goals?
Whether you need a loan or new wheels, better credit can help.

Helping credit builders score big—
without a credit check

Proven results

On average, users with starting credit below 600 saw a +28pt improvement in their first month2.

Trusted by bureaus

Each month, Kikoff reports to all three major credit bureaus: Equifax, Experian, & TransUnion.

Loved by fans

99% of Kikoff App Store reviews are 4-stars or higher. Kikoff is an all-time fan favorite—just ask the internet.
1M+
Customers & Counting
4.9
iOS App Store Rating
125k+
⭐️⭐️⭐️⭐️⭐️ Reviews

Plans from $5/month

Start with a plan,
‍skip the credit check

Credit builder plans starting at $5/month* that help you build credit when you pay on time.
Sign up in minutes. Cancel anytime.

Score more without breaking a sweat

Your specialized, reported tradeline adds to your credit mix while helping you to grow average account age, build payment history, & lower utilization with on-time payments.

payment screenshot

More ways to win,
all in one place

Kikoff helps elevate your rise to credit success. Monitor & master key credit tactics with a bottomless credit building toolbox.

checkmark
Track progress & tackle goals
checkmark
Build credit with rent payments1
checkmark
Flag errors & file disputes in minutes
Kikoff Credit Account
Plans & pricing

Kikoff Basic

$5/mo
Our most popular plan.
Low cost, no frills.
check mark
$750 reported tradeline1
check mark
No credit check
check mark
Reports to Equifax
check mark
Reports to Experian
check mark
Reports to TransUnion
check mark
Tools, tracking, & insights
check mark
Bank-level security & support

Kikoff Premium

$20/mo
Our best value plan.
Packed with features.
check mark
$2500 reported tradeline1
check mark
Rent Reporting
check mark
No credit check
check mark
Reports to Equifax
check mark
Reports to Experian
check mark
Reports to TransUnion
check mark
Tools, tracking, & insights
check mark
Bank-level security & support

Kikoff Ultimate

$35/mo
Our most powerful plan.
Protect your credit progress.
check mark
$3500 reported tradeline1
check mark
Rent Reporting
check mark
$1M Identify theft insurance
check mark
Personal data protection
check mark
No credit check
check mark
Reports to Equifax
check mark
Reports to Experian
check mark
Reports to TransUnion
check mark
Tools, tracking, & insights
check mark
Bank-level security & support

Credit building tools
for every step of your journey1

Reviews

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 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