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 fastest, smartest, and easiest way to do it.

Purchase the Kikoff plan 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 lower your credit utilization with 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 1.58.689

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

This version includes:
* Various UI improvements
* Bug fixes

Ratings and Reviews

4.9 out of 5
71.6K Ratings

71.6K Ratings

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.

Edit: so its been about 5 months and my credit has increased a total of 116 points! Im so happy. The only con i can say is it doesnt report to all 3 with the basic 5$ plan! But this was a test run for me and i will he increasing to the one that reports to all 3! Im eligible for a capital one credit card that i wasnt eligible for before! If your a beginner and have a low score its def worth a shot for only 5$ a month!

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 :)

pi$tol_pete ,

Don’t believe the haters (they don’t understand what Kikoff does)

Without Kikoff I would still be takin the bus to work (instead I got I approved for a new whip skrrrt skrt). This app is GENIUS. Its for literally one thing - Building credit. All the haters on here clearly don’t understand what Kikoff does (hmmm not understanding what they buy is probably why they have bad credit in the first place…?). Some of these comments like “where my money at” and “I didn’t know it takes time to work”… blah blah blah pleeeease!!! If you want money, don’t get Kikoff. If you wanna get your credit right so you can get money later and have healthy credit, get Kikoff. Not trying to rip on people just sayin… dang. Not that complicated. Kikoff gave my score a boost an then helps me build more credit by helping the factors that make up my score. This app is for people who WANT to work towards better credit FOR REAL and want a legit hack that gets them results faster. My score went from a 605 to a 690 in 2 months with literally NO WORK. I didn’t even pay off any debts… this app do it.

Not Your Guy Duh ,


I had Kikoff for over a year. Honestly enjoyed the credit building programs up until 6 months ago. Someone stole my card started using it for purchases. I reported it stolen, locked my card, and ordered a new one immediately called Kikoff to get more details (IP, name, location, etc) the customer service agent told me I would see it on my statement and I would need to contact corporate to get the details per transaction. I was seeking physical proof to submit a police report and prosecute the suspected thief. Due to kickoffs failure to provide me this information this person got away with theft and I have to just let it go. To this day I still get notifications from Kikoff saying my card was tried but failed due to it being reported stolen and a new one issued. Still get notifications and every time I contact Kikoff they say they have no further information. Email support was the worst and was just apologetic (basic human sympathy) but no profesional action was taken and no further information could be disclosed about these attempted charges. They are NOT FDIC insured. They do NOT have your back. They will NOT help out when needing actual proof to fabricate to law enforcement for a police report or pressing charges. DO NOT DO BUSINESS WITH THIS COMPANY.

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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