Last Updated: 04/18/2025
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Highlights
Monthly Maintenance Fee
$5 - $35(Verified 04/09/2025)
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Initial Processing Fee
$0
Credit Bureau Reports
- Experian
- Equifax
- TransUnion
Kikoff Credit Builder Review
Kikoff, a San Francisco-based lender founded in 2019, empowers consumers to build stronger credit and improve their scores. It offers an accessible credit line of up to $750 for purchases in its online store, with repayments made in small increments—activity that’s reported to major credit bureaus. With a $5 monthly membership fee and no interest or late fees, Kikoff makes credit building simple. Plus, its secured credit card product earns cash back and doubles as a debit card at ATMs, further supporting your credit journey.
Kikoff FAQ
What does Kikoff do?
Kikoff is a credit-building service designed to help you build credit safely1 and responsibly. Our products are designed to target the 5 major credit score factors.
Kikoff’s main product is their Credit Account, a specialized, reported Kikoff tradeline exclusively focused on building credit.1 It gets reported to all three credit bureaus, Experian, Equifax, and TransUnion, each month. Credit builder plans start at $5/month1 and can help you build credit when you pay on time. Depending on your plan, you can get access to other tools like rent reporting, identityidentify theft insurance, and more.1
Your specialized, reported Kikoff tradeline instantly adds to your credit mix, grows your average account age, & can help you to build payment history & lower utilization with on-time monthly payments.1What do they charge?
Kikoff has three main plans: Basic, Premium, and Ultimate.
- Kikoff Basic – $5/mo1
- Access to a $750 reported Kikoff tradeline1
- Reports to Equifax, Experian, & TransUnion monthly
- Tools, tracking, & insights
- Kikoff Premium – $20/mo1
- Everything from Basic
- Access to a $2,500 reported Kikoff tradeline1
- Rent Reporting
- Monthly Credit Reports from Equifax, Experian, & TransUnion
- Kikoff Ultimate – $35/mo1
- Everything from Basic & Premium
- Access to a $3,500 reported Kikoff tradeline1
- $1M Identity theft insurance
- Personal data protection
Provider Disclosure: 1 Individual results may vary. Subject to approval & identity verification. Plans start at $5/month for 12 months, for a total of $60, billed monthly. Features may vary depending on plan (Kikoff Credit Service) purchased. Reported credit line (Kikoff Credit Account) intended exclusively for financing credit-building purchases via the Kikoff Store (principally, the Kikoff Credit Service). Additional terms and conditions may apply. Cancel anytime. Late or missed payments can have a negative impact on your credit. Make on-time payments to maintain account health.
2 First-month average impact of +25 points for users between Jan-2024 & Nov-2024 who purchased at least one item with Kikoff Credit Account in their first month. First-year average impact of +84 points for users between Jan-2023 & Jan-2024. Average credit score impact figures are calculated based on Credit Account users who started with a VantageScore 3.0 below 600, paid on-time, and had no delinquencies or collections added to their credit profiles during the period. Late payments may negatively impact your credit score. Individual results may vary.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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