Kikoff - Build Credit Quickly

If you’re ready to build your credit, Kikoff is the fastest, smartest, easiest way to do it. Whether you have a low credit score or no credit score, we make it easy and worry-free – no credit check required and it only takes a few minutes to apply.

Your purchase of the Kikoff credit service includes monitoring, credit tips, and other educational resources along with getting a credit line reported to the credit bureaus. For just $5/month or $20/month (with no additional fees or interest – yes, really), you’ll get a $750 or $2,500 credit line with a low utilization rate reported to Equifax and Experian every month. Having a low utilization rate is one of the biggest contributing factors to your credit score, plus Kikoff is designed to be a responsible way to build credit (without risk of going into credit card debt!). Each on-time payment builds payment history, which helps your credit score.

How it works:
1. Depending on which Kikoff Credit Plan you opt into, we set up a credit account for you and report it as a $750 or a $2,500 credit line.
2. You make a purchase with that credit line (limited to Kikoff services), and you just pay back what you spend (our lowest + most popular payment amount is $5/month). We report those payments to the credit bureaus every month while your utilization rate stays low (like 8% low).
3. You have the option to put your credit building on autopilot by turning on AutoPay – that’s right, no heavy lifting required from you after account setup.
4. We flag errors on your report. Just click “send dispute” and we take care of it.

Also, users with Premium Credit Service account can sign up to Rent Reporting to have their future rent payments reported for free.

Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.