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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
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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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As of the end of 2025, Kikoff has helped consumers build more than 240 million total credit points since the company’s inception—a nationwide milestone equivalent to increasing the average credit score for every U.S. adult by one point.
Kikoff’s One Million-Plus Members will be Equipped to Achieve their Personalized Credit Score Goals and Advance their Financial Health.
BNPL can affect your credit score, but the impact is usually small and the real risk is missing payments. In this post, we break down how BNPL is reported and what actually works for building credit.
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For users with a starting credit score under 600, Kikoff adds 86pts* in a year with on-time payments.
