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What We Offer
Builds payment history, utilization, and account age
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Report your rent payment for credit building
Report your utility payment for credit building
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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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If you're considering pausing your student loan payments, you may be worried about what it could mean for your credit score. In this post, we'll explain how deferment is reported, when it can indirectly hurt your credit, and how it compares to forbearance.
Personal loans are one of the most flexible borrowing options available, but it's important to understand how they work before taking one out. In this post, we'll explain what a personal loan is, how it can affect your credit, and what to look for when comparing lenders.
Student loans are one of the most common forms of debt Americans carry, and they can have a significant impact on your credit score in both directions. In this post, we'll explain how student loans affect your credit, what can hurt your score, and how to make your loans work in your favor.
Knowing what credit score you need before applying for a personal loan can save you from unnecessary rejections and unfavorable terms. In this post, we'll break down what most lenders look for, how your score affects your rate, and what to do if your credit needs work.
Having bad credit doesn't mean you're out of options when it comes to borrowing money, but it does require a more careful approach. In this post, we'll walk through how to get a personal loan with bad credit, where to look, and what to watch out for along the way.
Your debt-to-income ratio is one of the most important numbers lenders look at when deciding whether to approve you for a loan. In this post, we'll explain what a good DTI looks like, how it's calculated, and what you can do to improve yours.
When you're in a financial bind and traditional loans aren't an option, it can feel like payday loans are your only choice. In this post, we'll walk you through the best alternatives to payday loans so you can get the cash you need without the risk.
Payday loans can seem like a lifeline when you're in a financial pinch, but they often make a tough situation much worse. In this post, we'll break down why you shouldn't pursue payday loans and what better alternatives are available to you.
Getting denied for a loan when you're already stretched thin can feel like a dead end. In this post, we'll walk you through practical alternatives to help you cover the gap until payday.
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For users with a starting credit score under 600, Kikoff adds 86pts* in a year with on-time payments.
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