Are you ready to enhance your credit? Kikoff offers the quickest, most intelligent, and simplest solution for you.

Customers of Kikoff who consistently make their payments on time enjoy an average credit score rise of 58 points.*

For just $5/month, you can enroll in the Kikoff Basic plan, or opt for the Premium plan at $20/month. Each month, your credit line is reported to the three major credit bureaus: Equifax, Experian, and TransUnion. Timely payments help build your payment history, benefiting your overall credit. No matter if you have a low credit score or are just starting out, we make the process straightforward and stress-free with no credit check needed—applying only takes a few minutes.

Here's how it works:

1. Your credit utilization is minimized with either a $750 or a $2,500 tradeline.
2. You make purchases using that tradeline, exclusively at Kikoff, and simply pay back what you spend (our most popular and lowest payment option is just $5/month). We report these payments to Equifax, Experian, and TransUnion monthly while your utilization rate remains low.
3. Optionally, you can automate your credit-building by activating AutoPay—no extra effort is required from you post-setup.
4. We monitor your report for any errors. Furthermore, users with a Premium Credit Service account can enroll in Rent Reporting to have their rent accounted for.

Kikoff is dedicated to helping you build credit by creating a solid payment history and keeping your utilization rates low, all without surprise fees or interest.

*Note on Credit Score Improvement: Based on Kikoff customers who begin with a credit score of 600 or lower. Payment behavior can influence your credit score, and individual outcomes may differ. Data as of March 2022.
**Reporting agencies depend on the Kikoff products you use. The Kikoff Credit Account and Secured Credit Card report to Equifax, Experian, and TransUnion.