Kikoff – Build Credit Quickly 4+

Reports to Equifax + Experian

Kikoff, Inc.

Designed for iPad

    • Free



If you’re ready to build your credit, Kikoff is the easiest way to do it.

Purchase the credit building service for just $5/month (with no additional fees or interest – yes, really). You’ll get a credit line reported to Equifax and Experian every month. Each on-time payment builds payment history, which helps your credit score! 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.

How it works:
1. We set up a credit account for you and report it as a $750 credit line.

2. You make a purchase in the Kikoff store with that credit line, 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.

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

What’s New

Version 1.29.273

Thank you for using Kikoff! The number one way to build your credit!

This version includes:
* Improved in app webview
* Address autocomplete form
* Infrastructure for improved credit score page experience
* Bug fix for external bank account re-verification

Ratings and Reviews

4.9 out of 5
43.8K Ratings

43.8K Ratings

IWasAnAccident_80 ,

Affordable Credit Building

After years of laying off my credit to allow all the negative accounts to fall off, I was left with zero credit history. It’s hard to re-establish yourself if you have no credit or if you have years of bad and irresponsible spending habits like I did. I am now in a very good situation financially so I want to start building good credit history for the sole purpose of being able to help my children go to college if loans are necessary. I signed up for Kikoff for my husband a year ago and his credit went from a 503 to the high 700s because Kikoff gave him the start he needed to qualify for other banks products. I signed up 2 months ago and in just 2 months, my credit has jumped 79 points and I just got my first unsecured credit card with a major bank. If you’re skeptical, don’t be. $2/ month is the payment for your Kikoff account and they even offer a secondary account in addition to the original account to help even more and that is a credit builder savings program that is $10/mo that will help your score even more. I recommend this to anyone looking to establish your credit for the first time or to re-establish your credit after making bad decisions or having a financial crisis that was beyond your control. It’s been life changing for our family!

haileeyleneaa ,

Clearing up some negative reviews.

I like to go and read reviews before and after trying out products or services. I tried this, and though my credit hasnt gone up yet i just started and havent gotten to my 2nd month yet. I just wanted everyone to be aware that this IS a credit building account, you wont get any money from it. It offers a line of credit but you can only buy from their store. Its a way of building credit affordably. If you do your research you will learn this. I seen some reviews saying misinterpretation, false advertising. Blah blah. Its not at all they just didnt do any research. Just a credit building card, its for people with bad credit whom arent trusted to receive money.. instead are offered to discipline yourself to pay money with nothing in return EXCEPT building your credit. I personally think its awesome. I pay 5$ a month i dont expect a drastic increase but it is a start. Its not for everyone but be sure you do your research before opting in because you dont want to be disappointed if your confused by what they are offering.

Developer Response ,

Hello! Thank you so much for your 5-star review. If you ever need anything from us, please email our customer support team at :)

Cannon-K ,

Simply Amazing!

After years of destructing my credit while being in active addiction, I didn’t know how I was going to ever get ahead. My credit was something that weighed very heavy on my mind since getting clean. I became a single mother and Aleta be honest I don’t have the extra funds to pay off the reckless amounts I racked up during those years. My credit was sitting stagnant and I knew credit card companies would never take the chance on me. Even though I was much more responsible now, they don’t go off of your word with bad credit. I had nothing to lose at this point so I signed up with Kikoff. They stuck to their word, my credit score jumped +97 points in 2 months. Although my Transunion score isn’t as high as my Equifax it’s still rising as we speak. I went from having a 526 with both bureaus to now having a 576- Transunion and 641- Equifax. I’m pretty sure my lower score is like that because all information isn’t reported to them yet. Anyway, I definitely recommend using Kikoff and I’m beyond happy I took a leap of faith.

App Privacy

The developer, Kikoff, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Purchases
  • Contact Info
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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