San Francisco, Aug. 13, 2025 – Kikoff, the credit-building platform used by over a million consumers, today announces the launch of AI Credit Disputes, a proprietary feature that helps users identify and correct errors on their credit reports today. Now available in the Kikoff app, AI Credit Disputes is the latest addition to the company’s growing suite of tools designed to help people access financial services, from which they were historically excluded. This launch is part of Kikoff’s broader mission to replace predatory products with radically affordable, effective solutions.
“Mistakes on a credit report can have a real impact on someone’s life, but many people don’t know where to start or feel overwhelmed by the process,” said Cynthia Chen, Founder and CEO of Kikoff. “We built AI Credit Disputes to make it easier for people to take that first step. By using AI to simplify the process and giving users a clear path forward, we’re helping them take back control and make real progress.”
AI-Powered Credit Disputes Now Available to Help More People Take Control
Errors are more common than many realize. According to Consumer Reports, 44 percent of people who reviewed their credit reports found at least one error. For Kikoff users—many of whom are working to build credit and carry an average of 18 derogatory marks—these errors can be a major barrier towards reaching their financial goals.
Disputing credit report errors has long been so complex that many turn to credit repair services for help. Some of the credit repair services charge upwards of $300 a month. Kikoff’s AI Credit Disputes is free for Kikoff users and offers a smarter alternative, making the process simple and personalized.
During the two‑month pilot with a segment of users, AI Credit Disputes has already helped these pilot users dispute over 70,000 credit report errors. The number of disputes will continue to climb as the feature rolls out to all 1M+ active Kikoff users. The tool simplifies a traditionally confusing and costly process by using AI to generate personalized, FCRA-compliant dispute letters tailored to each user’s specific situation. Instead of relying on generic templates, users can now use personalized language that reflects their reason for the dispute, to increase chances of approval and making the process more effective and approachable.
Ashley Weeks, a Kikoff user from Florida, experienced that firsthand: “Before Kikoff, I had tried submitting disputes on my own, but the process was confusing. I’ve used Kikoff’s credit disputes multiple times now, and it honestly makes things so much easier. Being able to see the letter that Kikoff prepared gave me more confidence, and I really believe it helped lead to a better outcome.”
AI Credit Disputes is the latest step in Kikoff’s mission to use AI to dismantle financial barriers. With more innovations on the way, Kikoff remains focused on expanding access to tools that create real, lasting financial progress.
To try AI Credit Disputes, go to: about.kikoff.com/kikoff-credit-disputes.
To learn more about Kikoff and its credit-building tools, visit: kikoff.com.
About Kikoff
Kikoff was built on the belief that predatory financial services shouldn’t exist. As a consumer-focused personal finance platform, Kikoff is making financial progress accessible, especially for those overlooked by traditional systems. We offer simple, radically affordable tools powered by technology and AI to help people build credit, lower debt, and move toward long-term financial stability. To date, Kikoff has helped over 1 million people increase their credit scores by more than 80 million points. Our growing suite of products also helps users reduce debt, access liquidity, and unlock greater financial opportunity. Learn more at kikoff.com or by downloading the Kikoff app.
