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

103.0K+ 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.

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User Reviews from Store

Showing 8 of 40 reviews (Page 3 of 5)

Shorty Haze

Oct 19, 2025

this app is only good if you have horrible horrible credit and would like to build a little bit of it back while spending the money to do so and getting nothing in return except 2-3 points a month so in a year's time the score maybe go up 50 points it's going to cost you $700 and if you want to pay double that you can get a couple more added to your score in a year I recommend just getting a credit card at least you'll get something for your money.

Li Kaga

Oct 19, 2025

Does exactly what you pay it for. Thank you

Kierra Bailey

Oct 19, 2025

app keeps freezing up and restarting my phone 😔 when I go to a few different tabs

Kathy Kohoutek

Oct 19, 2025

I tried to go in but it said it already had my phone number but there is no where to enter no way to use the app

Gia Looney

Oct 12, 2025

to be honest, I really haven't done much, just be consistent and have a few disputes letters that they provide! my score has boosted almost 100 points since I got kikoff!!

Cliff Smith

Oct 12, 2025

Love

Kyle Carter

Oct 12, 2025

GREAT WAY TO IMPROVE CREDIT QUICK! $20 a mo.

Kikoff - Build Credit Quickly

Status Chart

Timeline

Reporting chart

Recent reports

Kikoff - Build Credit Quickly

About this app

App Screenshots

User Reviews from Store

Shorty Haze

Li Kaga

Kierra Bailey

Kathy Kohoutek

Gia Looney

Cliff Smith

Kyle Carter

Lee Collins

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