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Kikoff AI Credit Disputes

Say goodbye to credit report errors with AI

Don’t let mistakes on your credit report hold you back. Kikoff’s AI tool helps you spot errors, send disputes, and move forward, with just a few taps in the app. This service is a complimentary service for all Kikoff users. 
Get Started
AI features rolling out to all users in 2025.
Kikoff makes it easy!

How it works

01
Select what you want to dispute

Choose one or more items you think are incorrect.

Sign up for Kikoff
1
02
Get a personalized dispute letter

Tell us why the item is wrong and our AI will generate a personalized FCRA-compliant dispute letter for you.

Kikoff Premium
Premium Plan

Our most balanced plan.
Packed with extra features.

Kikoff Ultimate
Ultimate Plan

Our most powerful plan.
Everything, plus protection.

2
03
Send it and track progress

With one tap, we’ll send your letter and keep you updated every step of the way.

3

Get Started

Take charge of your credit

Sign up for Kikoff
Sending Disputes via Kikoff is free. If you want to send a dispute letter but don't want to sign up for a credit account, please email your latest credit report to disputecreditreportupload@kikoff.com, and we will get back to you


Kikoff Basic
$5/mo
Our most popular plan.
Low cost, no frills.
Plan includes:
$750 Kikoff tradeline1
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Kikoff Premium
$20/mo
Our most balanced plan.
Packed with extra features.
Plan includes:
$2500 Kikoff tradeline1
Rent Reporting
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Start Premium
Kikoff Ultimate
$35/mo
Our most powerful plan.
Everything, plus protection.
Plan includes:
$3500 Kikoff tradeline1
Rent Reporting
$1M Identify theft insurance
Personal data protection
No credit check
Reports to Equifax
Reports to Experian
Reports to TransUnion
Tools, tracking, & insights
Bank-level security & support
Start Ultimate

Customer Testimonials

"I had a hard inquiry and a collections account reported incorrectly, and both of those came off after I disputed them. It was really simple to use, Kikoff writes the letter for you and you can click submit and you’re done. It honestly does give you a lot of peace of mind once you see those coming off and your credit going up"

Juan Montoya

"I had something I didn’t know about on my credit report, but Kikoff helped me out. With a dispute letter through Kikoff, I got the incorrect report off my credit. I’ve used Kikoff’s credit disputes multiple times, and they honestly make it so easy."

Ashley

“I saw on my credit report an account for a hospital I never even remembered going to, so I ended up disputing that through Kikoff. The successful credit dispute letter gave me more confidence in me and my financial goals. It’s really helping me get where I want to be."

Ja’Lisa Pride