Kikoff Debt Negotiation

Tackle debt and build credit with Kikoff

Kikoff’s new AI-powered tool helps negotiate offers on your behalf, making it easier to manage debt with less hassle and more confidence. This service is a complimentary service for all Kikoff users.
AI features rolling out to all users in 2025.
Kikoff makes it easy!

How it works

01
Log into your Kikoff account.
Sign up for Kikoff
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02
Let Kikoff AI Debt Negotiation work out an offer for you

Select one eligible debt to start. You'll be able to request offers for additional debts in the future.

Kikoff Premium
Premium Plan

Our most balanced plan.
Packed with extra features.

Kikoff Ultimate
Ultimate Plan

Our most powerful plan.
Everything, plus protection.

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03
Request a money-saving offer for your collection account.
We will contact the collector!

With your permission, we’ll contact the collector to request a money-saving offer to resolve your collection account.

3
Kikoff Debt Negotiator requests relief offers

The Kikoff Debt Negotiator helps you take control—giving you access to request relief offers for charge-offs and collections on your credit report.

04
Review and accept your offer.

You’ll typically be notified of any available offers within five business days.  Accept your offer before it expires to lock it in!

Get Started
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Get Started

Kikoff Debt Negotiation

Sign up for Kikoff
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 was paying a debt consolidation company to negotiate my debts down, but all the fees for their services were almost as expensive as my debts. So I tried Kikoff and found that I can do the same negotiations for free! What savings!”

Shantell Glover

“I have wanted to get rid of my debt and have had a hard time knowing where to start. Kikoff made it a lot easier and achievable for me.”

Stephanie Notaro

“I just submitted a simple form and Kikoff handled the negotiation afterwards. All I had to do was call up the creditor and accept the terms of the negotiation in pay. It was that easy"

Gabriel Schmitt

“Kikoff saved me hundreds by contacting the collector for me and all I had to do was agree and it was done! I like the convenience and time saved by using the negotiation product. I feel it wouldn’t have been as easy without it.”

Jaqualia Delfino
At Kikoff, we aim to create one-tap financial solutions that are simple, affordable, and accessible because everyone deserves a fair shot at a strong financial future.

About Kikoff