SPECIAL 80% OFF PROMO
Hit play for better credit
No credit checks, hidden fees, or interest.
Get started for as little as $1
Get your first month for as low as $1.
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 month1.
Trusted by bureaus
Each month, Kikoff reports to all three major credit bureaus: Equifax, Experian, & TransUnion.
Loved by fans
With 100k+ ⭐️⭐️⭐️⭐️⭐️ reviews on the App Store, Kikoff is a fan favorite. Just ask the internet.
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.
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.
Track progress & tackle goals
Build credit with rent payments1
Flag errors & file disputes in minutes
Kikoff Credit Account
Plans & pricing
Kikoff Basic
$1/first month
Then just $5/mo after.
Our most popular plan.
Our most popular plan.
$750 reported tradeline1
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Kikoff Premium
$4/first month
Then just $20/mo after.
Our best value plan.
Our best value plan.
$2500 reported tradeline1
Rent Reporting
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Kikoff Ultimate
$7/first month
Then just $35/mo after.
Our most powerful plan.
Our most powerful plan.
$3500 reported tradeline1
Rent Reporting
$1M Identify theft insurance
Personal data protection
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Credit building tools
for every step of your journey
Kikoff Secured Credit Card
With perks like cash back, fee-free overdraft protection, & early payday, the Kikoff Secured Card works like a debit card, but helps you build credit with everyday purchases.
Kikoff Inc. is a financial technology company “Fin-Tech”, not a bank. Kikoff Secured Credit Card provided by Coastal Community Bank, Member FDIC.
Rent Reporting
Kikoff Premium users can build credit with the rent they already pay—and even report up to 2 years of past payments for a one-time fee. If you pay rent, we think you should get credit for it.
Privacy Protection
Kikoff also offers affordable white-glove packages that help defend against threats beyond Kikoff—like data breaches & hackers. While bank-level security is standard for all, Privacy Protection works 24/7 to monitor credit, remove already-exposed data, & protect your identity from cyberthreats.
Reviews
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 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
