Breaking down the barriers
to financial freedom.
We’re on a mission to make building credit easier – so everyone can achieve their financial goals.
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Our Impact
1M+
Customers empowered on their financial journey
$2.5M+
Saved in debt relief since 2024
80M+
Credit points boosted and counting
Our work
We’re building tools designed to help users tackle financial goals and track their progress.
Driving impact
Our tools and products1 are designed to make a real impact and directly address the needs of our users.
Real results
On average, users starting with credit under 600 see an increase of +842 points in their first year with on-time payments!
Disrupt & democratize
We're always developing and refining financial tools through research and user feedback.
Our Story
We’re on a mission to make building credit easier.
Kikoff was founded in 2019 with a not-so-simple goal: make it easier for people to build credit. Credit plays a huge role in our lives, from opening a credit card to qualifying for a home loan. But there’s a catch, it’s easier to build credit, when you already have it.
Co-founders Cynthia Chen and Christophe Chong understood this challenge first hand, so they built a solution. Kikoff’s main product is our Credit Account, a specialized, reported tradeline exclusively focused on building credit. We’ve expanded the features of our paid account to include things like identity protection, rent reporting, and more. Over a million people have used Kikoff to build their credit.
Our team
We’re growing rapidly
Our team is made up of people from the best Silicon Valley companies. We've harnessed this power to learn the ins-and-outs of credit building so we can improve financial access for everyone.
Join our team to learn from the best.
Our Investors
Helping credit builders score
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