$5 a month for
better credit, fast.

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Open your account in minutes
Average +28 pts growth in just 1 month1
45 day satisfaction guarantee2

Download them below

84pts or 25 pts first year

With the optional autopay, never worry about due dates.

Build Credit by decreasing utilization rate and showing positive payment history.

Genere crédito rápidamente
Genere crédito rápidamente
Sin Verificación de Crédito. Sin interés.
Plans start at
$
5
/month1
80
M+
in debt saved
+
86
pts3

on avg. for users with starting credit under 600 in a year with on time payments

Featured in:

Plans & pricing

Kikoff services may result in bank fees when customer accounts are debited. Banks may charge nonsufficient fund fees, overdraft fees, or other fees. Credit cards may also incur interest charges. Kikoff is not responsible for any bank fees. Competitor secured credit cards refers to secured credit cards other than Kikoff.
Basic plan
$5/mo
Our most popular plan.
Kikoff Basic
$750 reported Kikoff Tradeline1
Reports to Equifax, Experian, & TransUnion
Weekly credit report
Tools, tracking, & insights
Bank-level security & support
Premium plan
Kikoff Premium
$20/mo
The best value.
All the perks of Basic
$2,500 reported Kikoff Tradeline1
Access to Kikoff Secured5 Credit Card
Rent Reporting Debt Negotiation
Bill Reporting
Ultimate plan
Kikoff Ultimate
$35/mo
All the perks of Basic & Premium
$3,500 reported tradeline1
Access to Kikoff Secured5 Credit Card
$1M Identify theft insurance
Rent reporting
Debt Negotiation
Bill Reporting
Personal data protection

Kikoff customer story

Trusted and loved by our customers

Each time I was checking my credit, points were just accumulating. My credit has improved 156 points with Kikoff.

Marquita
Oakland, CA

I was ready to clean up my credit but I didn't have a ton of options. Kikoff worked and I still don't know how. Up to 700 after a year.

Sammy
Detroit, MI

I was ready to clean up my credit but I didn't have a ton of options. Kikoff worked and I still don't know how. Up to 700 after a year.

Sammy
Detroit, MI

i couldn't get a car to save my life n Kikoff helped get me from 545 to like 6 something in like 2 months. def worked for me!!!! thank yoouuuuu ⭐️⭐️⭐️⭐️⭐️

Lila
Atlanta, GA

My credit was in the 400s.... I didn't even know credit could go that low. Now it's in the 600s. Don't even think about it, just sign up.

Keshawn
Oakland, CA

Have questions?

Can I use my Kikoff tradeline on things like gas or groceries?
Can Kikoff guarantee better credit?
Are Kikoff plans a Secured Credit Card?
Do I get my money back at the end of my Kikoff plan?

Ready to score?

+
86
pts3

On avg for users with starting credit under 600 in a year with on time payments

Genere crédito rápidamente
Genere crédito rápidamente
Sin Verificación de Crédito. Sin interés.
Kikoff services may result in bank fees when customer accounts are debited. Banks may charge nonsufficient fund fees, overdraft fees, or other fees. Credit cards may also incur interest charges. Kikoff is not responsible for any bank fees. Competitor secured credit cards refers to secured credit cards other than Kikoff.