Kikoff - Build Credit Quickly

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Kikoff - Build Credit Quickly is working normally

All systems are operational. Kikoff - Build Credit Quickly is accessible and functioning properly.

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Service Status: All systems operational and responding normally

Performance Trend (24h): Service stability is degrading

Community Reports: No issues reported by users in the last 24 hours

Global Availability: Working normally worldwide

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Kikoff - Build Credit Quickly

Finance

4.8

101.2K+ reviews

Downloads: 1.0M+

Type: Free

Content Rating: Everyone

Developer: Kikoff Inc.

About this app

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

Kikoff customers who make on-time payments see improvements of their credit score by 58 points, on average.*

Sign up for Kikoff Basic plan for just $5/month or Premium plan for $20/month. You’ll get a credit line reported to Equifax, Experian, and TransUnion** every month. Each on-time payment builds payment history, which helps your credit! Whether you have a low credit or no credit, 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 or a $2,500 tradeline.

2. You make a purchase with that tradeline (limited to Kikoff), and you just pay back what you spend (our lowest + most popular payment amount is $5/month). We report those payments to Equifax, Experian, and TransUnion every month while your utilization rate stays 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. Also, users with Premium Credit Service account can sign up to Rent Reporting to have their rent payments reported.

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

*Credit Score Increase: Based on Kikoff customers who start with 600 or below credit. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.
**Which bureaus are reported to depends upon which Kikoff products you have. Kikoff Credit Account and Secured Credit Card reports to Equifax, Experian, and TransUnion. Kikoff Inc. is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. The Kikoff Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International Incorporated.

App Screenshots

User Reviews from Store

Showing 8 of 10 reviews (Page 1 of 2)

Ronnie Jordan

Oct 10, 2025

great app so far

Jay T

Oct 10, 2025

Not letting me withdraw my credit loan.

Eddie Perez

Oct 9, 2025

great source of help.

Dantrell Butler

Oct 9, 2025

my credit has gone up 70 points and months

Mike C

Oct 9, 2025

horrible app, reported to credit bureaus I missed a "loan payment" when I didn't even sign up for their credit builder BS. Yeah, good for a bit but watch out, they'll scam you, too.

Joshua S

Oct 9, 2025

actually works reasonably quick

S. Ray Brannan (Zen)

Oct 9, 2025

doesn't synchronize with other credit bureaus accurately.

Kikoff - Build Credit Quickly

Status Chart

Timeline

Reporting chart

Recent reports

Kikoff - Build Credit Quickly

About this app

App Screenshots

User Reviews from Store

Ronnie Jordan

Jay T

Eddie Perez

Dantrell Butler

Mike C

Joshua S

S. Ray Brannan (Zen)

Jahn Nichols

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