Is This Credit score Development Product Value It?


Credit score rankings have a significant have an effect on to your monetary well being. A just right credits ranking may prevent hundreds when financing a significant acquire, reminiscent of a house or car. 

Then again, constructing credits is more uncomplicated mentioned than achieved. Lenders wish to see a just right credits historical past prior to you open an account, however you’ll want credits accounts to ascertain a credits historical past. 

Kikoff is a carrier that is helping you beef up your credits ranking. On this Kikoff assessment, we’ll discover the chance to peer if it’s a just right are compatible in your wishes. 

kikoff logo


Snippet abstract: Kikoff gives a line of credits to these taking a look to beef up their ranking in maximum states. You’ll make minimal per thirty days bills of $5 to construct credits at Experian and Equifax. 


  • Construct your credits
  • $750 line of credits
  • No hobby bills
  • No charges


  • Complicated add-on carrier providing
  • Will have to make purchases from Kikoff retailer

What’s Kikoff?

Kikoff is a web based platform this is based totally in San Francisco and gives merchandise designed to assist customers construct their credits rankings.

The corporate objectives to offer efficient, truthful and easy tactics for customers to reach their monetary targets by way of serving to them beef up their credits. It boasts that it creates an equivalent alternative for everybody, without reference to the place they’re of their monetary adventure.

Kikoff addresses 3 key elements that make up 80% of your credits ranking.

Those come with:

  • Fee historical past
  • Credit score usage
  • Moderate account age

Without a hobby fees and no credits pull, the corporate supplies a novel method to assist customers construct their credits. 

The web site boasts that it has loads of hundreds of customers who’re maximizing their credits the use of the carrier.

How Does Kikoff Paintings?

Kikoff gives an opportunity to construct credits. Right here’s how that chance performs out in actual existence.

Easy methods to Signal Up for a Kikoff Account

kikoff account sign up

The method begins with signing up with Kikoff. 

You’ll wish to be no less than 18 years previous and feature a Social Safety quantity. As of scripting this, Kikoff is to be had in each and every state excluding Delaware and Indiana. 

Moreover, you’ll wish to create an account along with your e mail and decided on password. 

You’ll choose between two other merchandise:

  • Kikoff Credit score Account: Fundamental account to beef up credits rankings
  • Credit score Builder Mortgage: Non-compulsory add-on to additional construct credits

Whilst the Kikoff web site has slightly 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, you could want to join the Kikoff Credit score Account first to get extra information about the Credit score Builder Mortgage.

Easy methods to Use the Account and Kikoff Retailer

In step with Kikoff, you’ll be immediately licensed with out a credits take a look at. At this level, you’ll have a $750 line of credits to make use of on the Kikoff retailer. 

Even though you’ll have to make use of the credits line to make purchases within the retailer, you don’t must spend all of your line of credits. 

Throughout the retailer, you’ll be able to look forward to finding virtual merchandise about monetary literacy and entrepreneurship. Normally, you’ll to find many choices beginning on the $10 value level. 

After you’ve made a purchase order within the Kikoff retailer, you’ll be required to begin creating a minimal per thirty days fee of $5. When you’re making the ones bills, Kikoff will document your fee historical past to the other credits bureaus. 

If you’re fearful about lacking a fee, believe putting in AutoPay. This selection lets you put your credits constructing on autopilot. 

Kikoff Credit score Bureau Reporting

While you get started making bills, it’s possible you’ll see a spice up for your credits ranking. It is because Kikoff studies your bills to Equifax, Experian and Transunion. Then again, the bureau it studies to is determined by which Kikoff product you utilize.

The Kikoff Credit score Account studies to Equifax and Experian, whilst the Credit score Builder Mortgage studies to Transunion and Experian.

After all, the result of this credit-building software will range in keeping with your distinctive scenario. However, consistent with Kikoff, consumers with credits rankings beneath 600 issues noticed a 58-point build up. 

It could take a little time to peer effects. In reality, it could possibly take as much as six weeks to peer Kikoff to your credits document. 

That mentioned, constructing a document of on-time bills can handiest assist your credits ranking. 

How A lot Does Kikoff Value?

If you wish to get started constructing credits with Kikoff, you’ll handiest wish to pay $5 monthly for the Kikoff Credit score Account. As well as, the Credit score Builder Mortgage product prices $10 monthly.

You received’t come upon any hobby, annual charges, administrative charges or past due charges. 

Is Kikoff Value It?

Kikoff is a handy gizmo for somebody who’s taking a look to construct credits. At simply $5 monthly, it’s a profitable choice if you wish to take your credits to the following degree. 

Then again, some customers will to find extra worth within the carrier than others. Normally, you’ll get essentially the most out of Kikoff if you’re beginning with a very bad credit or no ranking in any respect. 

How Kikoff Affects Your Credit score

Kikoff gives an invaluable credit-building alternative. However how precisely does it assist beef up your credits?

Fee Historical past

Kikoff account history

On the subject of your credits ranking, fee historical past is crucial ingredient. In reality, this ingredient accounts for 35% of your FICO ranking. 

The significance of your fee historical past is smart. Finally, lenders wish to just be sure you’ll pay your expenses on time prior to lending you cash. With Kikoff, you’ve the chance to construct a protracted historical past of on-time bills. 

Kikoff even gives an automated fee choice that can assist you steer clear of by accident lacking a fee. With each and every fee you’re making on time, Kikoff studies the sure data to the other credits bureaus. 

Credit score Usage

kickoff credit utilization

Credit score usage is the second one maximum vital ingredient for your FICO ranking. It accounts for 30% of your ranking. 

Necessarily, this can be a dimension of the way a lot credits you might be the use of towards how a lot credits you’ve. For instance, in case you have a stability of $100 and a credits restrict of $1,000, your credits usage ratio is 10%. 

A decrease credits usage ratio is just right in your credits ranking. Kikoff will provide you with a chance to stay this ratio low. With retailer pieces beginning at $10 and a credits restrict of $750, you’ll be able to simply deal with a weak credit usage ratio. 

Account Age

kikoff account age

Account age performs a job for your credits ranking. An older reasonable account age could have a sure have an effect on to your credits ranking

Kikoff doesn’t permit your Credit score Account to run out mechanically. As an alternative, it’ll proceed to sit down to your credits document, which results in an build up for your reasonable account age. 

Even though you’ll be able to cancel your Kikoff Credit score Account, your credits ranking would possibly get pleasure from leaving it open. 

Distinctive Options of Kikoff

On the subject of differentiating itself from the contest, Kikoff sticks out in a few distinctive tactics.

Open-Ended Time Dedication

While you enroll with Kikoff, there’s no minimal or most time dedication. You’ll get started constructing credits these days with out the concern of this slightly small invoice impacting your funds for the long run. 

If you wish to prevent making the $5 per thirty days fee, it’s simple to near your Kikoff account. That implies you’ll be able to regulate in case your monetary scenario adjustments. 

Kikoff Retailer

The Kikoff retailer is full of virtual merchandise, and you’ll be able to use the Kikoff line of credits to buy pieces. In step with the evaluations, you’ll to find quite a lot of e-books and different informative content material within the retailer. 

If you’re searching for tutorial assets about private finance, you’ll be able to beef up your credits whilst constructing wisdom. 

Kikoff Opinions

There are lots of credit-building platforms to be had. Studying consumer evaluations can come up with an concept of what would possibly or would possibly not paintings in your distinctive scenario. 

Right here’s how Kikoff stacks up on quite a lot of ranking internet sites:

Right here’s a have a look at some Kikoff evaluations from consumers:

“This app has truthfully helped me get my credits ranking in most sensible situation…When I totally grasped the kikoff thought, I took benefit and haven’t regretted it in any respect. hoping to take care of the nice paintings from those guys. to this point so just right.” – Ari Universe

I carried out and my utility used to be denied as a result of their verification device used to be having problems. I used to be informed I’ve to now wait 6 months. What a waste of time. And after studying the evaluations and majority is unhealthy. I’m satisfied I didn’t.” – Markell

“This isn’t a $500 greenback credits restrict to head spend on no matter. That is strictly to construct your credits 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 mention they aren’t licensed in my STATE !!!” – Carlos

Possible choices To Kikoff 

Kikoff gifts one alternative to construct credits, but it surely’s no longer the best choice available on the market. Listed below are any other websites like Kikoff. 


MoneyLion gives a credits builder mortgage. With this mortgage, you’ll get started making bills with out receiving any price range in advance. As an alternative, MoneyLion will tuck away the foremost portion of your fee into a chosen financial savings account. 

On the finish of the mortgage time period, you’ll get get admission to to those financial savings. However, be ready for APRs between 5.99% and 29.99% and a $19.99 per thirty days club rate. 


SeedFi has two credit-building alternatives, together with a credits builder mortgage and its Credit score Builder High program. The latter fees a $1 per thirty days rate, and also you’ll dedicate no less than $10 in financial savings to a locked account each and every month.

If you’re searching for in advance price range to spend whilst constructing credits, SeedFi is a fascinating alternative. 

Complete assessment: SeedFi

Sesame Money

Credit score Sesame, which is a well-liked method to track your credits ranking, gives Sesame Money. It is a pay as you go debit card paired with a checking account that provides a chance to construct your credits ranking. 

The most efficient section is that it’s unfastened to make use of this credit-building software. 

Complete assessment: Sesame Money

FAQs About Kikoff

If you’re nonetheless at the fence about the use of Kikoff, those solutions to regularly requested questions could possibly assist.

Is Kikoff reliable?

Sure, Kikoff gives a valid alternative to construct credits. Kikoff customers can faucet into two various kinds of credits constructing choices that would take their credits to the following degree.

What customer support choices does Kikoff be offering?

Kikoff gives an in depth buyer strengthen portal stuffed with the solutions to the most typical questions you’ll have in regards to the carrier. 

Moreover, you’ll be able to succeed in out to the buyer strengthen workforce at

Is Kikoff protected?

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

With those safety features, it’s cheap to be relaxed offering delicate data to the platform. 

How a lot can Kikoff assist my credits ranking?

In step with Kikoff, consumers with credits rankings beneath 600 issues noticed a 58-point build up when the use of the carrier. Then again, the consequences will range in keeping with the way you organize your credits accounts. 

Can Kikoff harm my credits ranking?

Sure, it’s imaginable for Kikoff to harm your credits ranking. If you’re making one fee via Kikoff after which shut your account, it could possibly adversely have an effect on your reasonable account age.

Sooner than signing up for Kikoff, ensure that you wish to have to stay with the carrier for some time in order that it doesn’t harm your credits ranking.

Does Kikoff do a troublesome credits inquiry?

No. Kikoff doesn’t take a look at your credits right through the appliance procedure, because of this there’s no credits inquiry required to enroll.

Is Kikoff a bank card?

No. Kikoff is a credit-building plan that is helping you beef up your credits. It lets you construct your fee historical past with out constructing extra debt.

How do I cancel Kikoff?

If making a decision you wish to have to cancel your Kikoff account, you wish to have to e mail customer support at There’s no telephone quantity to name if you wish to cancel.


Kikoff gives a chance to construct credits by way of buying inexpensive virtual merchandise and making on-time bills. The one downsides are that your acquire skills are restricted, and credits bureau reporting can range between the carrier’s choices. 

However, Kikoff is an inexpensive and protected method to get started constructing credits. 


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