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Build credit with a
Kikoff Credit Account

Build or repair your credit with Kikoff

The Credit Account addresses three key factors that determine your credit health: payment history, credit utilization, and average account age.

Build monthly payment history:

Use your Credit Account to finance a purchase from Kikoff and make monthly payments without interest or fees to build your payment history. We’ll report each of your payments to Equifax and Experian.

Reduce your credit utilization:

Signing up for Kikoff gives you access to a $750 line of credit to make purchases from Kikoff.

Raise your age of accounts:

The older your accounts, the better. The Credit Account doesn’t expire—so keeping it open will continue to increase your average account age.

How to build credit? It’s easy to start

1. Sign up for a ⁨Kikoff Credit Account⁩

Get approved* and start building credit the same day.

*subject to approval Sign up in minutes with no credit check.

2. Buy something on credit

You’ll have a line of credit to use for Kikoff purchases. This doesn’t expire, so you can continue building your credit on your schedule. Choose from a variety of items from our store, starting at just $10. You’ll make your purchase with the ⁨Kikoff Credit Account⁩.

3. Build payment history every month

On-time payments are crucial for building credit. All it takes is one click—and we’ll send you reminders to make sure.

How Kikoff helps

Payment History

This is the single most important factor in your credit score. Payment history looks at whether you’ve paid past credit bills on time. The ⁨Credit Account⁩ encourages a long payment history, giving you maximized credit building power. We’ll report each of your monthly payments to the major credit bureaus. Each report builds your payment history—and your credit.

Credit Utilization

This is the ratio of how much credit you’ve used to how much you can use, or your credit limit. The lower this ratio, the better for your credit. We designed the ⁨Credit Account⁩ for extremely low utilization rates.

Account Age

The older your accounts, the better. The ⁨Credit Account⁩ doesn’t expire—so keeping it open will continue to increase your average account age.

Kikoff offers more ways to build credit

Take advantage of our other credit building tools.

Secured Credit Card >>

The Kikoff Secured Credit Card offers the perks of credit card, debit card, and credit builder all in one. The secured credit card helps build credit history with all the three credit bureaus with every swipe. with a minimum security deposit of $50. Whether it’s your cell phone bill, car loan, and utility payments. Build credit with no annual fee and make your payments work for you!

Rent Reporting >>

With Kikoff Premium you can build credit with the rent you already pay. Rent Reporting turns each month’s rent check into healthier credit on your Equifax report.

Credit Builder Loan

Build credit and savings at the same time. Available by invitation only. The Credit Builder Loan shares your payment behavior to all three major credit bureaus.

Download the Kikoff App

One of the highest rated credit building apps on both the Apple and Google stores.
With 4.8 star reviews, join over 1M+ users who repaired their bad credit with the best credit building app.

Have questions?

When a user signs up for the Kikoff Credit Account, they receive a revolving line of credit that can be used only within the special Kikoff Store.
Once the user has selected an item from the Kikoff Store (typically selecting either the Basic or Premium tier product), they will be provided a monthly payment plan that covers 1 year worth of payments, starting at $5 a month. Once the user has selected an item from the Kikoff Store (typically selecting either the Basic or Premium tier product), they will be provided a monthly payment plan that covers 1 year worth of payments, starting at $5 or $20 a month depending on which tier was selected.
Kikoff then reports these payments to Equifax and Experian, to show that you’re able to make payments consistently. Targeting this is a major factors behind your credit score, the, Kikoff Credit Account helps you build credit quickly.
No, paying off your Kikoff Credit Account all at once will not increase your credit score faster. Remember, 35% of your credit score alone is made up from consistent monthly on-time payments.
Kikoff Credit Account is designed to help you maximize credit-building by showing credit bureaus that you are responsible each month and can maintain your payments.
It can take 30-45 days for Kikoff to show up on your credit report depending on when in the month you signed up. Kikoff reports payments to credit bureaus once a month, which takes up to 2 weeks for the bureaus to process.
Example: if you made a $5 Kikoff payment on August 5th, we will report this payment on September 1st, and you can expect to see it on your credit reports sometime between Sept 5th and September 15th.
Use Kikoff’s credit monitoring dashboard to keep an eye on any changes. And if you use a third-party credit monitoring tool, such as Credit Karma, you might notice it there even earlier.
Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion.
Kikoff reports your accounts every month, at the start of the month. Please note we report to different bureaus, depending on the product you have:
- The Basic and Premium Credit Accounts report to Equifax, Experian and TransUnion. The Credit Builder Loan reports to TransUnion and Equifax. (Available by invitation only.)
- The Secured Credit Card reports to Equifax, Experian and TransUnion.
The Kikoff Store is a digital marketplace where we offer educational items on financial literacy. Kikoff users who have a Kikoff Credit Account would be able to use their line of credit here.
If you would like to make a purchase, the Kikoff Store contains select eBooks, eCourses, and Credit Account subscription renewals. Please note that any purchases made within the Kikoff Store will increase your balance owed and may increase your monthly payment amount. To get the most out of your credit building service, there is no requirement to make any purchases in the Kikoff Store, only the initial selection of credit account tier (basic/premium).
To access the Kikoff store, follow the steps below:
1. Go to the "Home" section of your user dashboard and click on "Credit Account"
2. Click the settings or gear icon in the upper right
3. Select Kikoff Store
*If you aren't already logged into your account, you will need to login*

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Build credit with aKikoff Credit Account

Have questions?

Build credit with a
Kikoff Credit Account