# Kikoff – Build Credit Quickly — Equifax, Experian + TransUnion

> Credit building service reporting to major bureaus, starting at $5/month. (iPhone/iPad app by Kikoff Inc..)

- Source: https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784 (this page in markdown: same URL + `.md`)
- Developer: [Kikoff Inc.](https://appshunter.io/developer/1525159786)
- Category: Finance
- Price: Free
- Rating: 4.90/5 from 263,267 App Store ratings · 1,557 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 242 MB
- Languages: American English
- Released: 2021-04-14
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784/reviews.md

## What is Kikoff?

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to all 3 bureaus (Equifax, Experian, and TransUnion) - which can result in a serious credit improvement.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

In addition to building credit, Kikoff is the #1 app for monitoring your credit score. Quickly monitor your credit score at each of the 3 bureaus, and easily dispute credit errors in app at the press of a button. 

Build your credit further using Kikoff’s rent reporting and bill reporting features, which let you build credit with the rent and utilities you already pay.

Kikoff's Premium and Ultimate plans can unlock even more features, such as identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

Kikoff Inc. is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. The Kikoff Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International Incorporated.

## Key features

- 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)

## Chart rankings

- #49 in Top Free · Finance (US App Store)

## What do users think of Kikoff?

Overall sentiment: positive

**Pros**

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

**Cons**

- 🐛 Billing and account issues
- 🔒 Lack of customer support
- ⚠️ Negative impact on credit score
- 💰 Misleading about loan/credit offerings

**Commonly reported bugs**

- Incorrect credit reporting
- Difficulty closing or canceling accounts

**Most requested features**

- Improved customer service and communication
- More transparency about account details and policies
- Ability to access and manage account details

## Recent user reviews (10 of 1,557)

All indexed reviews: https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784/reviews.md

### 5/5 — App Frozen

*2026-08-24, version 1.181.3445*

I e signed up to everything this app offers and make monthly payments into my savings account, hybrid credit builder and pay my bills with the same bank info from day one of downloading the app. Everything has been smooth until a week ago and now my app loads up and just sits there showing me the Kikoff logo so now I can’t view anything or check my accounts or pay my bills and monthly payments to Kikoff.

Not a very good path to walk on after constantly being satisfied with the app and it crashes out of the blue isn’t a trusting nor reliable source to depend on with my personal info and credit details!

### 5/5 — Onna dead homies it work

*2026-08-24, version 1.181.3445*

Went from540 to 602 in 3 months just give it a lil time

### 5/5 — It really works!

*2026-08-23, version 1.181.3445*

I’ve been with Kikoff for nearly 5 years now. My credit has gone from 480 (seriously) to 681. I’ve had a few ups and downs over the years but I know where I stand and what to do now. My score is updated every week with Equifax and monthly with the other 2. They have provided a great financial education because nobody taught me this in school and my mother was the worst example possible to teach me financial responsibility. I feel like I have the knowledge now to make better decisions and the consequences when I make bad ones. I don’t hang my head in shame when my credit report comes back when I apply for things anymore. It’s a good feeling.

### 5/5 — J.Z.

*2026-08-22, version 1.181.3445*

This app has given me the ability to get a 5500 loan because it's shown good payment history. It's a game changer for someone with a below average credit score. Thank you Kickoff!!!

### 5/5 — Lo mejor

*2026-08-22, version 1.181.3445*

Lo mejor

### 5/5 — Kikoff

*2026-08-22, version 1.181.3445*

This has really helped me with building my credit and score. Advised on the next steps on how to get higher credit scores.

### 5/5 — Credit is important

*2026-08-22, version 1.181.3445*

Love the Kikoff app and how it keeps me updated in real time on my credit score and what can affect it and how to improve it

### 5/5 — Credit Repair

*2026-08-21, version 1.181.3445*

This app is good to repair your credit.

### 5/5 — Patience

*2026-08-20, version 1.181.3445*

The rep was very kind and patient in getting me back into my app

### 5/5 — Miss.Muffin

*2026-08-20, version 1.181.3445*

Help my scores and credit a lot LOVE IT!!!

## Frequently asked questions about Kikoff

### 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.

## Version history (last 5 of 5)

### 1.181.3445 — 2026-08-17

Thank you for using Kikoff! The number one way to build your credit!

This version includes:
* Various UI improvements
* Bug fixes

### 1.180.3413 — 2026-08-10

Thank you for using Kikoff! The number one way to build your credit!

This version includes:
* Various UI improvements
* Bug fixes

### 1.179.3391 — 2026-08-05

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

### 1.178.3350 — 2026-07-29

Thank you for using Kikoff! The number one way to build your credit!

This version includes:
* Various UI improvements
* Bug fixes

### 1.177.3278 — 2026-07-15

Thank you for using Kikoff! The number one way to build your credit!

This version includes:
* Various UI improvements
* Bug fixes

## Apps similar to Kikoff

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Intuit Credit Karma](https://appshunter.io/ios/app/intuit-credit-karma/id519817714) | 4.8 (7,711,052) | Free | Finance |
| [Credit Sesame: Grow Your Score](https://appshunter.io/ios/app/credit-sesame-grow-your-score/id476718980) | 4.8 (436,368) | Free | Finance |
| [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (134,258) | Free | Finance |
| [Experian®](https://appshunter.io/ios/app/experian/id1087101090) | 4.8 (2,692,295) | Free | Finance |
| [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,558,421) | Free | Finance |
| [Brigit: Cash Advance & Credit](https://appshunter.io/ios/app/brigit-cash-advance-and-credit/id1341884073) | 4.8 (549,140) | Free | Finance |

## More apps by Kikoff Inc.

- [Grant Cash Advance](https://appshunter.io/ios/app/grant-cash-advance/id6472350114)
- [Keenly - AI Call Assistant](https://appshunter.io/ios/app/keenly-ai-call-assistant/id6499542762)
- [Catch: Earn Cash & Claim Money](https://appshunter.io/ios/app/catch-earn-cash-and-claim-money/id6752961879)
- [Ponder: AI Budget & Finance](https://appshunter.io/ios/app/ponder-ai-budget-and-finance/id6765503315)

All apps by Kikoff Inc.: https://appshunter.io/developer/1525159786

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*