Kikoff – Build Credit Quickly

Kikoff – Build Credit Quickly

Equifax, Experian + TransUnion

262K ratings
1503 reviews
#39 in free Finance
💰 Finance
Free

Details

  • Released
  • Updated
  • April 14, 2021
  • August 10, 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

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

See all reviews
+2

What's New in Kikoff

1.180.3413

August 10, 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

📉 39-1

Finance

This app dropped -1 position in Finance chart.

Last updated on August 12, 2026.

User reviews

Misleading

Kikoff is misleading. The so called credit limit entitles you to absolutely nothing. So basically you pay them for a fake credit limit for them to report positive payments to credit bureaus. Can’t wait for the class action lawsuits to begin.

Credit

I’ve experienced great service so far with kikoff I love it hopefully it help me with great service in the future

Scam app

Helps for a month or so then getting charged to help report to credit board but all the money put in can only be used to buy their books.

I really need Kikoff now

I know people who have been telling me to build my credit with Kikoff, but I delay my opportunity. I’m ready to start now. I’m ready now and I’m sure that I will make a good change in my Credit

Amazing!!!!

I really didn’t believe reviews but my daughter had her score at 345 and with just one year her score went up to 740 and was able to get out a car so I tried it and I’m just 3 months in and my score went from 475 to 635

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

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.