Kikoff: Build Credit Quickly

Kikoff: Build Credit Quickly

Grow & Monitor Your Credit

281K ratings
1772 reviews
#61 in free Finance
💰 Finance
Free

Details

Released
April 14, 2021
Updated
October 29, 2026

Features

Kikoff: Build Credit Quickly screenshot #1 for iPhone
Kikoff: Build Credit Quickly screenshot #2 for iPhone
Kikoff: Build Credit Quickly screenshot #3 for iPhone
Kikoff: Build Credit Quickly screenshot #4 for iPhone
Kikoff: Build Credit Quickly screenshot #5 for iPhone
Kikoff: Build Credit Quickly screenshot #6 for iPhone
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About

This app helps users build and monitor their credit score quickly and affordably. It reports to all three major credit bureaus and offers features like rent and bill reporting. Plans start at $5 per month with no credit checks or interest.

✓Build credit score quickly
✓Report to all 3 credit bureaus
✓Monitor credit score
✓Rent and bill reporting
✓Access to specialized credit line
✓No credit checks, interest, or hidden fees
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What users say about Kikoff

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+1

What's New in Kikoff

1.188.3905

October 29, 2026

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

Charts

Top Free

📊 61

Finance

The app has maintained its position at 61 recently.

Last updated on November 4, 2026.

User reviews

Don’t fall for it

Barely builds your credit then messes your credit up when the payments are done be warned self is way better

Score went down

I didn’t even do anything. I’ve been paying my bills as usual, signed up for this and my score went down…

Supposed to build your credit — instead, one $2 mistake wrecked mine, and they refused to fix it

Kikoff is supposed to build your credit. It did the exact opposite for me.

A 30-day late payment showed up on my credit report and I have no idea how it happened. My payments before and after that were completely normal. I contacted Kikoff, explained the situation, and asked them to remove it. They did not care. They told me they cannot remove a late payment, not even with a goodwill letter — once it is past the grace period, they are not interested, and it just stays on your record hurting your credit.

So a two-dollar issue is now seriously damaging my credit score. Instead of helping you build credit, one small mistake destroys it. I absolutely do not recommend Kikoff to anyone.
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This company advertisement lie

The advertisement is fake. The kickoff expected me to pay them some 40 money and get nothing in return. This company expected me to pay them money without any credit. This company is fake they lucky I gave them 1 star

Fake🚫🚫🚫 🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚫🚫🚫🚫🚫🚫🚫🚫🚫🚫🚫🚫🚫🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨

I Lost Over $200 With Using This App.. And by The Time I Realized it Was a Scam, it Was to Late🤦🏼‍♂️They Had The Fake Score Showing like I was Moving up to The (700) range From (576)Score Before: I was Really in need Badly So I tried This App and it Ripped Me Off And Kept My Funds🚫🚫 So if I was Whoever’s Reading This🧐 Thank Me Now🤙
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Developer apps

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

How does Kikoff help build credit?

Kikoff provides access to a specialized credit line and reports your on-time monthly payments to Equifax, Experian, and TransUnion. This strengthens key credit factors like payment history and utilization, which can significantly improve your credit score.

What are the costs associated with Kikoff?

Kikoff plans start 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 higher price points.

Can Kikoff help me monitor my credit score?

Yes, Kikoff is designed for credit score monitoring. You can quickly check your credit score from all three major bureaus directly within the app and easily dispute any credit errors.

Does Kikoff have ads?

No, Kikoff does not contain advertisements. The app is focused on providing financial tools and services without interruption from ads.

What devices does Kikoff support?

Kikoff is available on iPhone and iPad. It is designed for iOS devices.

How often is Kikoff updated?

Kikoff was last updated on October 29, 2026, with version 1.188.3905. This indicates regular updates to improve functionality and security.

What are the pros and cons of using Kikoff?

Users praise Kikoff for its credit score boost, affordability, and ease of use. However, some users have reported billing issues, lack of customer support, and misleading information about credit offerings.

Is Kikoff safe to use for building credit?

Kikoff is rated 4.9 stars from over 279,000 ratings, indicating a high level of user satisfaction. It is designed to help build credit responsibly, but users should be aware of potential negative impacts from late payments.