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Is This Credit score Constructing Product Price It?

Credit score scores have a significant impression in your monetary well being. A very good credit score rating might prevent hundreds when financing a significant buy, reminiscent of a house or car. 

Nevertheless, constructing credit score is simpler mentioned than finished. Lenders wish to see a superb credit score historical past earlier than you open an account, however you’ll want credit score accounts to determine a credit score historical past. 

Kikoff is a service that helps you enhance your credit score rating. On this Kikoff evaluation, we’ll discover the chance to see if it’s a superb match to your wants. 

kikoff logo


Snippet abstract: Kikoff provides a line of credit score to these trying to enhance their rating in most states. You’ll make minimal month-to-month funds of $5 to construct credit score at Experian and Equifax. 


  • Construct your credit score
  • $750 line of credit score
  • No curiosity funds
  • No charges


  • Complicated add-on service providing
  • Should make purchases from Kikoff retailer

What’s Kikoff?

Kikoff is a web-based platform that’s primarily based in San Francisco and provides merchandise designed to assist customers construct their credit score scores.

The corporate goals to offer efficient, truthful and easy methods for customers to realize their monetary objectives by serving to them enhance their credit score. It boasts that it creates an equal alternative for everybody, no matter the place they’re of their monetary journey.

Kikoff addresses three key components that make up 80% of your credit score rating.

These embrace:

  • Fee historical past
  • Credit score utilization
  • Common account age

With no curiosity expenses and no credit score pull, the corporate gives a singular method to assist customers construct their credit score. 

The location boasts that it has lots of of hundreds of customers who’re maximizing their credit score utilizing the service.

How Does Kikoff Work?

Kikoff provides an opportunity to construct credit score. Right here’s how that chance performs out in actual life.

Find out how to Signal Up for a Kikoff Account

kikoff account sign up

The method begins with signing up with Kikoff. 

You’ll should be not less than 18 years outdated and have a Social Safety quantity. As of penning this, Kikoff is obtainable in each state besides Delaware and Indiana. 

Moreover, you’ll must create an account along with your e mail and chosen password. 

You possibly can select from two completely different merchandise:

  • Kikoff Credit score Account: Primary account to enhance credit score scores
  • Credit score Builder Mortgage: Elective add-on to additional construct credit score

Whereas the Kikoff website has fairly a little bit of details about their Kikoff Credit score Account, details about their Credit score Builder Mortgage is extra sparse. Since it’s an add-on, chances are you’ll want to join the Kikoff Credit score Account first to get extra particulars in regards to the Credit score Builder Mortgage.

Find out how to Use the Account and Kikoff Retailer

Based on Kikoff, you’ll be immediately permitted with no credit score test. At this level, you’ll have a $750 line of credit score to make use of on the Kikoff retailer. 

Though you’ll have to make use of the credit score line to make purchases within the retailer, you don’t must spend your total line of credit score. 

Inside the retailer, you possibly can anticipate finding digital merchandise about monetary literacy and entrepreneurship. Typically, you’ll discover many choices beginning on the $10 value level. 

After you’ve made a purchase order within the Kikoff retailer, you’ll be required to start out making a minimal month-to-month fee of $5. Whenever you make these funds, Kikoff will report your fee historical past to the completely different credit score bureaus. 

If you’re nervous about lacking a fee, take into account organising AutoPay. This characteristic permits you to put your credit score constructing on autopilot. 

Kikoff Credit score Bureau Reporting

When you begin making funds, you may see a enhance in your credit score rating. It is because Kikoff experiences your funds to Equifax, Experian and Transunion. Nevertheless, the bureau it experiences to will depend on which Kikoff product you utilize.

The Kikoff Credit score Account experiences to Equifax and Experian, whereas the Credit score Builder Mortgage experiences to Transunion and Experian.

In fact, the outcomes of this credit-building software will fluctuate primarily based in your distinctive state of affairs. However, in response to Kikoff, prospects with credit score scores underneath 600 factors noticed a 58-point enhance. 

It’d take a while to see outcomes. The truth is, it may take as much as six weeks to see Kikoff in your credit score report. 

That mentioned, constructing a document of on-time funds can solely assist your credit score rating. 

How A lot Does Kikoff Value?

If you wish to begin constructing credit score with Kikoff, you’ll solely must pay $5 monthly for the Kikoff Credit score Account. As well as, the Credit score Builder Mortgage product prices $10 monthly.

You received’t encounter any curiosity, annual charges, administrative charges or late charges. 

Is Kikoff Price It?

Kikoff is a good software for anybody who’s trying to construct credit score. At simply $5 monthly, it’s a worthwhile possibility if you wish to take your credit score to the following stage. 

Nevertheless, some customers will discover extra worth within the service than others. On the whole, you’ll get probably the most out of Kikoff in case you are beginning with a low credit score rating or no rating in any respect. 

How Kikoff Impacts Your Credit score

Kikoff provides a helpful credit-building alternative. However how precisely does it assist enhance your credit score?

Fee Historical past

Kikoff account history

With regards to your credit score rating, fee historical past is an important issue. The truth is, this issue accounts for 35% of your FICO rating. 

The significance of your fee historical past is smart. In any case, lenders wish to just remember to’ll pay your payments on time earlier than lending you cash. With Kikoff, you have got the chance to construct a protracted historical past of on-time funds. 

Kikoff even provides an automated fee possibility that can assist you keep away from by chance lacking a fee. With every fee you make on time, Kikoff experiences the constructive info to the completely different credit score bureaus. 

Credit score Utilization

kickoff credit utilization

Credit score utilization is the second most vital consider your FICO rating. It accounts for 30% of your rating. 

Primarily, this can be a measurement of how a lot credit score you might be utilizing in opposition to how a lot credit score you have got. For instance, in case you have a steadiness of $100 and a credit score restrict of $1,000, your credit score utilization ratio is 10%. 

A decrease credit score utilization ratio is sweet to your credit score rating. Kikoff offers you a chance to maintain this ratio low. With retailer gadgets beginning at $10 and a credit score restrict of $750, you possibly can simply preserve a low credit score utilization ratio. 

Account Age

kikoff account age

Account age performs a job in your credit score rating. An older common account age can have a constructive impression in your credit score rating

Kikoff doesn’t permit your Credit score Account to run out routinely. As an alternative, it is going to proceed to take a seat in your credit score report, which results in a rise in your common account age. 

Though you possibly can cancel your Kikoff Credit score Account, your credit score rating may profit from leaving it open. 

Distinctive Options of Kikoff

With regards to differentiating itself from the competitors, Kikoff stands out in a few distinctive methods.

Open-Ended Time Dedication

Whenever you enroll with Kikoff, there’s no minimal or most time dedication. You can begin constructing credit score at the moment with out the concern of this comparatively small invoice impacting your funds for the long run. 

If you wish to cease making the $5 month-to-month fee, it’s straightforward to shut your Kikoff account. Meaning you possibly can modify in case your monetary state of affairs modifications. 

Kikoff Retailer

The Kikoff retailer is crammed with digital merchandise, and you should utilize the Kikoff line of credit score to buy gadgets. Based on the critiques, you’ll discover loads of e-books and different informative content material within the retailer. 

If you’re searching for academic assets about private finance, you possibly can enhance your credit score whereas constructing information. 

Kikoff Critiques

There are numerous credit-building platforms accessible. Studying consumer critiques may give you an thought of what could or could not work to your distinctive state of affairs. 

Right here’s how Kikoff stacks up on varied ranking web sites:

Right here’s a have a look at some Kikoff critiques from prospects:

“This app has actually helped me get my credit score rating in high situation…As soon as I totally grasped the kikoff idea, I took benefit and haven’t regretted it in any respect. hoping to maintain up the nice work from these guys. to date so good.” – Ari Universe

I utilized and my software was denied as a result of their verification system was having points. I used to be informed I’ve to now wait 6 months. What a waste of time. And after studying the critiques and majority is dangerous. I’m glad I didn’t.” – Markell

“This isn’t a $500 greenback credit score restrict to go spend on no matter. That is strictly to construct your credit score and it really works nice for that.” – Nathan

“They’re the largest scammers. A real BAIT AND SWITCH !! They took my private knowledge like SS# Ect.. simply to say they aren’t approved in my STATE !!!” – Carlos

Options To Kikoff 

Kikoff presents one alternative to construct credit score, however it’s not the one possibility in the marketplace. Listed below are another websites like Kikoff. 


MoneyLion provides a credit score builder mortgage. With this mortgage, you’ll begin making funds with out receiving any funds upfront. As an alternative, MoneyLion will tuck away the principal portion of your fee into a delegated financial savings account. 

On the finish of the mortgage time period, you’ll get entry to those financial savings. However, be ready for APRs between 5.99% and 29.99% and a $19.99 month-to-month membership charge. 


SeedFi has two credit-building alternatives, together with a credit score builder mortgage and its Credit score Builder Prime program. The latter expenses a $1 month-to-month charge, and also you’ll commit not less than $10 in financial savings to a locked account each month.

If you’re searching for upfront funds to spend whereas constructing credit score, SeedFi is an fascinating alternative. 

Full evaluation: SeedFi

Sesame Money

Credit score Sesame, which is a well-liked option to monitor your credit score rating, provides Sesame Money. This can be a pay as you go debit card paired with a checking account that provides a possibility to construct your credit score rating. 

The very best half is that it’s free to make use of this credit-building software. 

Full evaluation: Sesame Money

FAQs About Kikoff

If you’re nonetheless on the fence about utilizing Kikoff, these solutions to steadily requested questions may have the ability to assist.

Is Kikoff legit?

Sure, Kikoff provides a legit alternative to construct credit score. Kikoff customers can faucet into two various kinds of credit score constructing choices that might take their credit score to the following stage.

What customer support choices does Kikoff supply?

Kikoff provides an in depth buyer help portal crammed with the solutions to the commonest questions you might need in regards to the service. 

Moreover, you possibly can attain out to the shopper help group at [email protected].

Is Kikoff secure?

Sure. Kikoff makes use of multi-factor authentication and encryption to safeguard your knowledge. 

With these security measures, it’s cheap to be comfy offering delicate info to the platform. 

How a lot can Kikoff assist my credit score rating?

Based on Kikoff, prospects with credit score scores underneath 600 factors noticed a 58-point enhance when utilizing the service. Nevertheless, the outcomes will fluctuate primarily based on the way you handle your credit score accounts. 

Can Kikoff harm my credit score rating?

Sure, it’s attainable for Kikoff to harm your credit score rating. In case you make one fee by way of Kikoff after which shut your account, it may adversely impression your common account age.

Earlier than signing up for Kikoff, be sure to wish to follow the service for some time in order that it doesn’t harm your credit score rating.

Does Kikoff do a tough credit score inquiry?

No. Kikoff doesn’t test your credit score in the course of the software course of, which suggests there isn’t any credit score inquiry required to enroll.

Is Kikoff a bank card?

No. Kikoff is a credit-building plan that helps you enhance your credit score. It permits you to construct your fee historical past with out constructing extra debt.

How do I cancel Kikoff?

In case you resolve you wish to cancel your Kikoff account, you must e mail customer support at [email protected] There isn’t any telephone quantity to name if you wish to cancel.


Kikoff provides a possibility to construct credit score by buying reasonably priced digital merchandise and making on-time funds. The one downsides are that your buy talents are restricted, and credit score bureau reporting can fluctuate between the service’s choices. 

However, Kikoff is an reasonably priced and secure option to begin constructing credit score. 



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