When it comes to financial goals, credit can be an “unlocker” or a “road-blocker”.
Whatever your financial goals, credit plays a vital role in your ability to hit key milestones.
If you want monthly credit reports from all three credit bureaus and the ability to view your credit score, it can get expensive—as much as $40 per report, every month— which adds up quickly. And if you also want tools to help you actively build credit, it can cost even more.
Thankfully, Kikoff is your one-stop-shop. We provide all three credit reports from Experian, Transunion, & Equifax—for as little as $20/month. Plus it’s packed with other features, like viewing your credit score with each bureau, Rent Reporting, and Bill Reporting. So you’re not just staying informed, you’re using that information to start actively building credit.
Your credit profile isn’t one-sided: Equifax, TransUnion, and Experian all have slightly different approaches to determining credit-worthiness. Up-to-date credit reports from all three major bureaus is the best way to understand your credit vitals—so you can monitor progress, catch errors, and stay on track.
If you’ve ever ordered a credit report, you’ll know that options range from free but annually, to monthly and expensive. Yearly updates make it hard to know if you’re making consistent progress. Kikoff gives you all three credit reports, every month, for less. And if you’re ready to build credit, too? Kikoff has free tools and features to help you win big and score more without breaking a sweat—or breaking the bank.
All credit insights are NOT created equal.
While some personal finance or credit building apps might offer regular “credit score updates”, they might not actually provide full monthly reports—which can help you understand why your credit score might have changed. If we think of credit as a way to evaluate financial health, relying solely on credit score “updates” is like using an online symptom-checker. Full credit reports, on the other hand, are the actual diagnostic—and diagnostics can help you see the full picture and determine what needs work.
It’s important to note that there’s a difference between a full, comprehensive credit report and features like credit “monitoring” or credit “updates.” Full credit reports act as official records (like a ledger or transcript) of all your consumer credit behavior over a given period of time—and you can order them through a third-party provider (like Kikoff), or directly from the credit bureaus themselves. Your report includes things like payment history, number of credit accounts, loans, credit limits, account balances, bankruptcies, and more.
How does Kikoff stack up against other 3B providers?
Full Monthly Credit Reports | Monthly Credit Score Updates | ||||||
Equifax | Experian | TransUnion | Equifax | Experian | TransUnion | Cost | |
Kikoff | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | $20† |
Self | ⛔ | ⛔ | ⛔ | ✅ | $25 1 | ||
Chime | ⛔ | ⛔ | ⛔ | ✅ | N/A 2 | ||
MyFICO | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | $39.953 |
IdentityIQ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | $29.994 |
Credit Karma | ✅ | ⛔ | ✅ | $05 | |||
TransUnion | Add’l Fee | Add’l Fee | ✅ | $29.956 | |||
Equifax | ✅ | Annual Update | Annual Update | $19.957 | |||
Experian | ✅ | ✅ | ✅ | $39.998 |
1 Self advertises as a “credit building” service, not a provider of full, monthly Tri-Bureau credit reports. Current as of Dec-2024
2 Chime advertises as a “banking app”, not a provider of full, monthly Tri-Bureau credit reports. Current as of Dec-2024
3 MyFICO monthly Tri-Bureau credit reports are limited to the Premier plan
4 IdentityIQ monthly Tri-Bureau credit reports are limited to the Secure Max plan
5 Credit Karma has free credit reports for Equifax and TransUnion only
6 TransUnion pricing for credit report & monitoring only. Additional one-time fee of $29.95 for Equifax, Experian reports; current as of Dec-2024
7 Equifax pricing for credit report & monitoring only. Users receive one annual report from Experian & TransUnion; current as of Dec-2024
8 Experian pricing for monthly credit reports from all three major credit bureaus each month; current as of Dec-2024
If you’re serious about understanding your credit profile—and ultimately building credit—getting regular, monthly credit reports from Experian, Equifax, and Transunion is a no-brainer. Kikoff offers all three reports, every month, for less. And if you’re ready to build credit, too? Kikoff has free tools and features to help you win big and score more without breaking a sweat—or breaking the bank.
Money tight? You’ve got options
If your wallet’s a bit light, you’re in luck: Americans are entitled to a free yearly credit report each year from each of the three credit bureaus. It’s Federal Law, so it’s kind of a big deal. Getting your credit report even once a year is a no-brainer—so if you want to start small, you can request your free annual credit report here. In fact, annualcreditreport.com now lets you request a credit report from each bureau each week, at no extra charge. Getting your credit report frequently is great, but it is just as important to track your score (FICO, Vantage 3.0, etc…) so see how you’re actually progressing.
Knowledge is power, and affordable knowledge is, well, even better. When you’re ready to dive deep—and even start building credit—having monthly credit reports and scores from Experian, Equifax, and Transunion is the best way to master your growth. That’s why Kikoff offers all three credit reports, every month, for as little as $20/month.
Why having all three credit reports matters
Experian, TransUnion, and Equifax have their own approaches to determining your health as a borrower. Because all three scores are slightly differnent—and equally important—it’s valuable to understand what makes each of them tick.
For lenders, your credit score is a three-digit number that helps determine how attractive you are to lenders. It reflects things like how likely you are to pay off debts and whether or not you’re “credit responsible”.
Your report is a detailed breakdown of everything that goes into that number: payment history, number of credit accounts, loans, credit limits, account balances, bankruptcies, and more.
This information gets sent to the three credit bureaus, Equifax, Transunion, and Experian, who calculate your score. That score helps lenders decide things like interest rates for loans.
Here’s where it gets tricky. Lenders choose which bureaus they send your information to, when they send it, and what they include on the report. So if you have a credit card with one lender, an auto loan with another, and a mortgage with a third, a report from just one bureau might not paint a complete picture of your credit.
Put simply: If you want to know exactly what your credit profile looks like to lenders, you need a report from all three credit bureaus.
The most affordable way to get all three monthly credit reports? You guessed it
If you’re in the market for regular, comprehensive 3B credit reports and serious about owning your credit growth, Kikoff punches above its weight in terms of features and perks.
If you want monthly reports from all three major credit bureaus, Kikoff has you covered. Just sign up in minutes for a Kikoff Premium plan, from $20/month. There’s no credit check, no catches, and you can cancel anytime. Feeling bold? Select Kikoff Ultimate to get up to $1M identity theft insurance along with your monthly 3B reports.
Beyond your 3B reports: Kikoff’s powerful perks for credit growth
In addition to more affordable monthly credit reports, customers with an active Kikoff Credit Accounts can also enjoy perks like credit insights, Rent Reporting, and more—all while growing their credit on-time monthly payments against a specialized, reported tradeline.
- Kikoff Premium (from $20/month) — Monthly credit reports from Equifax, Experian, & TransUnion, plus Rent Reporting, which can help you build extra credit with the monthly rent you already pay. You also get Bill Reporting, which lets you report utility bills like water and electrical, to the bureaus as well. Spot inaccuracies on your credit report? Kikoff Premium users can enjoy complimentary expedited mailing services for our free-for-everyone disputes feature.
- Kikoff Ultimate (from $35/month) — Monthly credit reports from Equifax, Experian, & TransUnion, plus everything Premium plan has to offer—plus up to $1M in identity theft insurance and whiteglove privacy protection that helps to lock down your personal data and keep private info away from scammers, spammers, & data brokers.
Balling on a budget, but still credit-curious? As someone new to credit building, getting reports from all three bureaus might feel like overkill at first. Kikoff Basic—which starts at just $5/month—comes with monthly credit reports from just Equifax. Whether you’re brand-new to credit or just looking for the most affordable way to get quick credit insights, the Kikoff Basic plan is a great way to jumpstart your journey.
Kikoff is invested in financial empowerment by reinventing it. It’s an accessible and affordable tool designed to give financial ownership back to people who are historically overlooked by lenders and big banks. Because understanding your credit report shouldn’t require a PhD.
Ready to take control of your credit? It all starts with your credit report. Luckily, we’ve got your back, for less.
Download the app today or visit Kikoff.com to learn more.
† Kikoff Premium plans start at $20/month for 12 months. Kikoff Premium & Ultimate customers receive monthly credit reports from all three credit bureaus. Kikoff Basic users receive monthly credit reports from only Equifax for as little as $5/month. Subject to approval. Terms & conditions apply.
The information provided in this blog post is meant for informational purposes only and does not constitute financial advice. Kikoff Inc. is a financial technology company and not a bank. The Kikoff Secured Credit Card is issued by Coastal Community Bank, Member FDIC. Terms and conditions apply & individual results may vary. Make consistent on-time payments to maximize credit building potential. Credit factors outside Kikoff, like other account balances or delinquencies, can have an impact on credit building progress. Subject to approval via identity verifications and subject to terms and conditions. Kikoff Credit Account reported line of credit intended exclusively for credit building purposes & can be used to finance the purchase of monthly Credit Service plans and/or digital educational material via the Kikoff Store. For more information, visit our Terms and Conditions and Privacy Policy. We report to the major credit bureaus: Equifax, Experian, and TransUnion. Features, tradelines, bureau reporting, & pricing may vary depending on plan purchased. This post may contain marketing messages and advertisements in compliance with the CAN-SPAM Act. Please refer to our Secured Card and Credit Account Terms for detailed product disclaimers.