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Start building credit with the tools millions of people use to take control of their financial future.
What We Offer
Builds payment history, utilization, and account age
Keep an eye on changes to your credit report
Report your rent payment for credit building
Report your utility payment for credit building
Take back your privacy with Kikoff's Privacy Protection
Get personalized insights and actionable recommendations tailored to your credit profile and goals
Additional Info
Kikoff users with starting credit under 600 grew an average of +86pts in just a year with on-time payments.
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Explore Kikoff’s credit building tools
Plan your next purchase
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Le ayudamos con tres factores cruciales que determinan su crédito: historial de pagos, utilización del crédito y antigüedad media de las cuentas.
LaKisha is 45 years old and lives in Houston. She runs her own event planning business and loves the freedom of being her own boss while connecting with her clients.
Nick is a 35 year old marketing director from Connecticut. During his teens and twenties, he maxed out credit cards and missed debt payments.
Rebuilding credit after a rough start takes patience, but the right habits and mindset can get you further than you might think. In this post, a member of the Kikoff engineering team shares the two biggest lessons he learned on his way from a 511 to the 700 club.
Getting credit advice from someone who has lived the experience can make all the difference when you're trying to improve your financial situation. In this post, Kikoff advisor Wanda Holland Greene shares her personal credit journey and the advice she gives to anyone looking to build a stronger financial future.
Reaching a 700 credit score can open the door to better loan rates, more approvals, and greater financial flexibility. In this post, we'll walk you through the most effective steps you can take to get your score into that range.
When she was younger, Shuronda racked up debt and late payments on her credit history. But since she had never worried about income, she never checked her credit score. Shuronda realized just how important credit is—as a safety net and financial tool—when the pandemic hit. In her four months with Kikoff, her credit score jumped up 76 points.
When will Kikoff's credit builder show on your report? Within 30 days! Learn how we report monthly and help you build credit quickly and effectively.
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For users with a starting credit score under 600, Kikoff adds 86pts* in a year with on-time payments.
