Build Credit Score

Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.

Credit Account - this is our primary product: a revolving line of credit designed to address the 3 key factors of your credit score: payment history, credit utilization, and age of accounts. Build monthly payment history: Use your Credit Account to finance a purchase from Kikoff and make monthly payments without interest or fees to build your payment history. We’ll report each of your payments to Equifax and Experian. Reduce your credit utilization: Signing up for Kikoff gives you access to a $750 line of credit to make purchases from Kikoff.

Raise your age of accounts: The older your accounts, the better. The Credit Account doesn’t expire—so keeping it open will continue to increase your average account age. Credit Builder Loan - Credit Builder Loan is a 1-year credit-building plan that also builds $10/month in savings. At the end of the year, you’ll have built 12 months of payment history and you’ll get all your savings back ($120). Secured Credit Card - this is a free, secured credit card product that safely builds your payment history through your everyday transactions. The Secured Credit Card works like a debit card but has the benefits of a credit card. Build credit with Kikoff Join over a million people already using Kikoff. No credit pull required With 0% interest Open your account in minutes Join HERE