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Kikoff: Build Credit Quickly

Kikoff: Build Credit Quickly

Grow & Monitor Your Credit

270K ratings
1626 reviews
#41 in free Finance
💰 Finance
Free

Details

  • Released
  • Updated
  • April 14, 2021
  • September 16, 2026

Features

Developer

Kikoff Inc.
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Kikoff: Build Credit Quickly screenshot #1 for iPhone
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Kikoff: Build Credit Quickly screenshot #4 for iPhone
Kikoff: Build Credit Quickly screenshot #5 for iPhone
Kikoff: Build Credit Quickly screenshot #6 for iPhone
iphone
ipad
📉no. 41
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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)
Show original description

What users say

Summarized from real user reviews of Kikoff. Based on 270K 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

1.184.3613

September 16, 2026

We’re hard at work making sure Kikoff is the best credit-building companion for you.

Charts

Top Free

📉 41-1

Finance

This app dropped -1 position in Finance chart.

Last updated on September 17, 2026.

User reviews

Most RecentHighest RatedLowest Rated

aplicacion

esta app es igual krefit karma no te dise la realidad de tu credito te dise que siempre esta bajo de puntuacion en ralidad no es asi
DjsynumberoneDjsynumberone

Great Value

I realized an immediate boost in my credit score. I was already doing several things in addition to Kikoff but with all my efforts and with the help of Kikoff I enjoyed a 202 point increase in one month!
SabJamesPateSabJamesPate

Great but not so great as well

I’m experiencing issues with not being able to access the app immediately. At first it was working fine but as of recently it takes way too long to open. What gives?
Mr.ChillMr.Chill

Like it

So easy do it you won’t regret it
trixy53trixy53

Credit report

Love it!
Stewartguy5Stewartguy5
See 1621 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.