What is Kikoff?

Who are we and What do we do?

Kikoff is the first company that lets you build credit for free with just your identity — no credit card, bank account, co-signer or paystub required.

Kikoff is the first company that lets you build credit for free with just your identity — no credit card, bank account, co-signer or paystub required. At Kikoff, we believe that everyone should have the opportunity to own their financial future. We’ve seen people get hurt by credit cards and caught off guard when trying to establish credit. That is why we’ve created a way to build credit in an environment free from surprises, hidden fees, and interest rates. To make sure Kikoff will actually be accessible to anyone and everyone, we’ve made our service free. By giving everyone the opportunity to establish credit, we’ve leveled the playing field for financial success.

Our mission is to help everyone have access to financial opportunity.

Kikoff has helped over tens of thousands of customers build credit for free. We are trusted and backed by Silicon Valley’s most prestigious investors and an official data provider to the 3 major credit bureaus. Our mission is to help everyone have access to financial opportunity. This is near and dear to our co-founders and employees, many of whom are immigrants and young people, and have experienced firsthand the difficulty of not having access to credit. This is why we are passionate to help everyone have access to good credit.

How can Kikoff help my Credit?

Kikoff works because payment history makes up 35% of your credit score.

Kikoff helps you build a record of on-time payments to show the credit bureaus. When you sign up for Kikoff, we provide a free loan of $12. Over the course of a year, you to pay back $1 a month, interest free.

The magic is that it will help your overall credit score number, which is what lenders really care about. No lender should fault you for having a small value loan; in fact, lenders should see that the loan is in good standing and with on-time payments as a sign of financial responsibility. For payment history, the amount doesn’t matter; having on-time payments month after month is what matters. Kikoff works because payment history makes up the biggest portion, 35%, of your credit score.

How do I get started?

Sign up for Kikoff today and get instantly approved!

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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