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Kikoff – Build Credit Quickly

Kikoff – Build Credit Quickly

Grow & Track Your Credit

256K ratings
1363 reviews
With Ads#39 in free Finance
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • April 14, 2021
  • July 15, 2026

Features

Developer

Kikoff Inc.
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Kikoff – Build Credit Quickly screenshot #6 for iPhone
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📊no. 39
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About

Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

✓Build credit quickly
✓Reports to Equifax, Experian, TransUnion
✓Plans starting at $5/month
✓No credit checks
✓No interest
✓Rent reporting (premium plans)
✓Identity theft insurance (premium plans)
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What users say

Summarized from real user reviews of Kikoff. Based on 256K reviews and a 4.9/5 average, it highlights the 5 positives and 4 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Credit score boost
  • 💳Affordable credit building
  • 👍Easy to use
  • 📈Positive payment history
  • 🆙Improved credit utilization

Negative things

  • 🐛Billing and account issues
  • 🔒Lack of customer support
  • ⚠️Negative impact on credit score
  • 💰Misleading about loan/credit offerings
See all reviews
+1

What's New in Kikoff

1.177.3278

July 15, 2026

Thank you for using Kikoff! The number one way to build your credit! This version includes: * Various UI improvements * Bug fixes

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Charts

Top Free

📊 39

Finance

The app has maintained its position at 39 recently.

Last updated on July 18, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Absolute scam

They advertise themselves as a line of credit with low monthly payments but the credit line doesn't exist. They argue with you about trying to cancel as well
JenMorenoJenMoreno

The Best Credit Builder

It’s been so helpful and my credit score went up in less than 30days
sassimeekasassimeeka

Don’t fall for the okie dook run don’t use them

The the one who will mess you credit up they have like 6 different plans and it’s confusing to the one that your on of you miss a payment the will ruin your credit like they did mine they are not helpful at all.
Demetri’s reviewDemetri’s review

Worst mistake

Worst mistake I ever made. They charged me $20 a month said I had a credit card with them for $2000 and when I questioned it now my credit has dropped 70 points I don’t have a credit card with them have never had a credit card with them and they refuse to talk with me to try to get this straightened out
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snoopymissprisssnoopymisspriss

Not worth

You are just paying them a monthly fee to give you a “fake” account to report on. Better off just getting a secured card.
Jimbeaner123Jimbeaner123
See 1358 more reviews

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User experience

🐞

Reported Bugs

2 issues

Incorrect credit reporting

Bug

Difficulty closing or canceling accounts

Bug
✨

Requested Features

3 requests

Improved customer service and communication

Feature

More transparency about account details and policies

Feature

Ability to access and manage account details

Feature

FAQ

What does Kikoff do?

Kikoff is a service designed to help you build your credit score quickly. It provides access to a specialized credit line and reports your monthly payments to the three major credit bureaus: Equifax, Experian, and TransUnion. This process can help strengthen key credit factors like payment history and utilization.

How does Kikoff help build credit?

Kikoff helps build credit by reporting your on-time payments to Equifax, Experian, and TransUnion. It utilizes your monthly payments to improve factors like payment history and credit utilization, which significantly impact your credit health. Some plans also offer features like rent reporting.

What are the costs associated with Kikoff?

Kikoff offers plans starting at $5 per month. There are no credit checks, no interest charged on the credit line, and no hidden fees. Premium and Ultimate plans offer additional features at a higher cost.

Is Kikoff available on all devices?

While the description mentions Kikoff is the #1 credit builder on the App Store, it does not specify availability on Android devices. Users should check their respective app stores for compatibility.

Who is Kikoff best suited for?

Kikoff is ideal for individuals looking to establish or improve their credit score, particularly those starting with a score below 600. It's also beneficial for those who want to build credit history without the need for traditional credit checks or interest payments.