Kikoff – Build Credit Quickly 4+

Reports to Equifax + Experian

Kikoff, Inc.

Designed for iPad

    • Free

Screenshots

Description

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 and Experian 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 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 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.
**Sending Disputes via Kikoff is free.
***Which bureaus are reported to depends upon which Kikoff products you have. Kikoff Credit Account reports to Equifax and Experian. Credit Builder Loan (optional add-on) reports to TransUnion and Equifax. Kikoff Secured Credit Card reports to Equifax, Experian, and TransUnion.
****Autopay requires opt-in.

What’s New

Version 1.68.858

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
95.5K Ratings

95.5K Ratings

Noloozerhere1 ,

Awesome!

I am not usually one to write reviews, but hear me out here. My credit score went up 60 points in just a few months using this tool. Yes, I called it a tool because using it can HELP FIX your credit score inch by inch. 60 points doesn’t sound like much, but with credit scores, LITERALLY EVERY point counts and can cost or save you money in interest. I strongly recommend downloading and using this tool. It also found a questionable hit on my Equifax and they got it removed within a week! Using this app along side smart budgeting will just amaze you, I promise.

It’s not a “magic wand” because you have to make some budget changes for this app to really really help you like it did me. Highly recommend! Once you reduce your debt ratio even a little bit you’ll see your score rise. Pay off that credit card, car note, or even a store credit card. I’m telling you, it’s worth it! This app gives you a credit line and reports every single payment! Set up auto pay, adjust your spending, watch your score increase!

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 ,

WILL NOT HELP YOU OUT IF YOUR CARD IS STOLEN. NOT FDIC.

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

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

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