Ready to start building credit?
Everything you need to know about building credit with Kikoff.
1
Sign up without a credit check
Sign up in minutes with your email & verify your identity with your Social Security Number or TIN.
Once verified, you'll be approved1 for a Kikoff tradeline1.
A tradeline is the industry term for an account listed on a credit report, like credit cards and loans.
Upgrade1 to Premium or Ultimate to get access to more powerful features like Rent Reporting, Identity theft protection, & even a by-invitation Kikoff Secured2 Credit Card that can help you build credit with every swipe.
2
Pick a plan
Keeping track of your credit is key to building it. Kikoff makes it easy.
Select a monthly plan that fits your goals —for as little as $51 a month.
Choose the right plan for you
Each month, your balance & repayments are reported to all three major credit bureaus to help you build credit safely. This helps you build payment history, lower your overall credit utilization, and grow your average account age — all key credit building factors.
3
Build credit with
on-time payments
Each month, you’ll finance the cost of your plan with your Kikoff tradeline and repay us with your favorite debit card 💳. Think about it like building credit, with credit.
A tradeline is the industry term for an account listed on a credit report, like credit cards and loans.
Your Kikoff tradeline balance & low monthly repayment are reported to Equifax, Experian, and TransUnion every month.
There are many ways to calculate credit — which is why your FICO score might look different than your Vantage 3.0 score. While the scores might differ, they’re largely determined by the same core factors.
How consistently you make on-time payments.
The percentage of credit you’re using out of the total available.
The average age of your open credit accounts.
The diversity of your credit profile.
Kikoff Disputes
Have a Premium or Ultimate plan?
Our mailing service takes the legwork (and postage) out of disputes. File for free & we’ll do the rest.
Rent Reporting
Bill Reporting
Kikoff Debt Negotiation
Full monthly reports from Equifax, Experian, & TransUnion
$1M Identity theft insurance
Privacy Protection
Frequently Asked Questions
Helping credit builders score
Build Credit Fast