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Kikoff Credit Account now reports to TransUnion

Our flagship product, the Kikoff Credit Account now reports to TransUnion. The Credit Account now reports to the 3 major credit bureaus – giving you even more credit building power. 

Learn all about this change and what to expect:

Do I need to do anything to enroll in TransUnion reporting?

Nope, Kikoff has you covered! Starting in April, Kikoff automatically sends your Credit Account data to TransUnion – along with Equifax and Experian, just like we always have. All Kikoff customers will see this benefit, whether you’ve been a customer for 2 years or if you just signed up today.

How will this impact my credit score?

Having your Credit Account report to another bureau is usually a good thing for your credit. Many lenders pull reports from all 3 bureaus to see your score.

Keep in mind everyone’s credit impact will be different, and making sure you pay your Credit Account on-time every month will help you maximize impact. 

I don’t see the Credit Account on TransUnion yet, what’s going on?

Like credit building, reporting to a new credit bureau takes time. Over the next few weeks, you may receive updates from credit services notifying you that a new account has been added to your TransUnion report. 

If you still haven’t seen the Credit Account show up on your TransUnion report by the end of May 2024, feel free to contact our support team at (877)-249-6406. 

When did this change happen?

Kikoff started reporting to TransUnion in April 2024. Your TransUnion report will show payment history starting February 2024. If you opened your account before February 2024, please note that you won’t see payment history but your account opening date and other information will be accurate.

I thought Kikoff already sent my data to TransUnion?

Before April 2024, the Kikoff Credit Account only reported to Equifax and Experian.

You may have seen Kikoff on your TransUnion report because our other credit-building products do report to TransUnion: Credit Building Loan & Secured Card both report to TransUnion.

Does Kikoff provide me with a TransUnion report?

Yes, Kikoff offers monthly TransUnion reports to all Premium and Ultimate customers. Note: Our basic plan customers only have access to a monthly Equifax report. You can upgrade to Premium or Ultimate at any time; log in to your app to learn more. 

Do I need to do anything to enroll?

No, Kikoff has you covered. Going forward we’ll automatically report all Credit Accounts to TransUnion, whether you’ve had it for 2 years or if you just signed up today.

I’m new to credit building – What is TransUnion?

Check out this blog post to learn more about TransUnion.

Still have more questions?

Credit can be confusing, and we’re here to help you. You can always reach our customer support team at (877)-249-6406

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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.
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1 Based on real Kikoff members who made a purchase with the Kikoff Credit Account between January 2021 and March 2024 with starting scores below 600 and made their first payment saw an average Equifax Vantage 3.0 score increase of 28 points after their first month. Late payment may negatively impact your credit score. Individual results may vary.

2 Based on Kikoff customers who used the ⁨Credit Account⁩ product and made on-time payments, and didn’t add non-Kikoff delinquencies/collections to their credit profile. This data is based on observed Equifax Vantage 3.0 credit score changes, and is current as of November 2022.

Kikoff Inc NMLS ID# 1930930 | Licenses

New Mexico residents only – TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER YOU MAY WRITE OR CALL Compliance Director at P.O. Box 40070, Reno, NV 89504; (775) 993-6992.; or at support@kikoff.com. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.state.nm.us/financial-institutions/.

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