Kikoff - Build Credit Quickly
Everyone
In-App Purchases
Finding a reliable utility that is useful? Kikoff - Build Credit Quickly under the AGCscript lineup is your top recommendation. This masterpiece by Kikoff Inc. is ready to serve you. Discover Finance.
Why Choose The This Official Version Kikoff - Build Credit Quickly
If you’re ready to build your credit, Kikoff is the fastest, smartest, and easiest way to do it.
Kikoff customers who make on-time payments see improvements of their credit score by 58 points, on average.*
Sign up for Kikoff Basic plan for just $5/month or Premium plan for $20/month. You’ll get a credit line reported to Equifax, Experian, and TransUnion** every month. Each on-time payment builds payment history, which helps your credit! Whether you have a low credit or no credit, we make it easy and worry-free – no credit check required and it only takes a few minutes to apply.
How it works:
1. We lower your credit utilization with a $750 or a $2,500 tradeline.
2. You make a purchase with that tradeline (limited to Kikoff), and you just pay back what you spend (our lowest + most popular payment amount is $5/month). We report those payments to Equifax, Experian, and TransUnion every month while your utilization rate stays low.
3. You have the option to put your credit building on autopilot by turning on AutoPay – that’s right, no heavy lifting required from you after account setup.
4. We flag errors on your report. Also, users with Premium Credit Service account can sign up to Rent Reporting to have their rent payments reported.
Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.
*Credit Score Increase: Based on Kikoff customers who start with 600 or below credit. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.
**Which bureaus are reported to depends upon which Kikoff products you have. Kikoff Credit Account and Secured Credit Card reports to Equifax, Experian, and TransUnion. 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.
*** Credit Card services offered through Bankrate, LLC NMLS ID# 1427381
*** Loan services offered through Moneylion Technology Inc. NMLS ID# 1475872
*** Auto loan providers offered through Caribou Financial Inc. NMLS# 1746612, RefiJet., and OpenRoad Lending, LLC NMLS#710945
Kikoff Privacy Policy: https://kikoff.com/privacy-policy.pdf
Kikoff customers who make on-time payments see improvements of their credit score by 58 points, on average.*
Sign up for Kikoff Basic plan for just $5/month or Premium plan for $20/month. You’ll get a credit line reported to Equifax, Experian, and TransUnion** every month. Each on-time payment builds payment history, which helps your credit! Whether you have a low credit or no credit, we make it easy and worry-free – no credit check required and it only takes a few minutes to apply.
How it works:
1. We lower your credit utilization with a $750 or a $2,500 tradeline.
2. You make a purchase with that tradeline (limited to Kikoff), and you just pay back what you spend (our lowest + most popular payment amount is $5/month). We report those payments to Equifax, Experian, and TransUnion every month while your utilization rate stays low.
3. You have the option to put your credit building on autopilot by turning on AutoPay – that’s right, no heavy lifting required from you after account setup.
4. We flag errors on your report. Also, users with Premium Credit Service account can sign up to Rent Reporting to have their rent payments reported.
Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.
*Credit Score Increase: Based on Kikoff customers who start with 600 or below credit. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.
**Which bureaus are reported to depends upon which Kikoff products you have. Kikoff Credit Account and Secured Credit Card reports to Equifax, Experian, and TransUnion. 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.
*** Credit Card services offered through Bankrate, LLC NMLS ID# 1427381
*** Loan services offered through Moneylion Technology Inc. NMLS ID# 1475872
*** Auto loan providers offered through Caribou Financial Inc. NMLS# 1746612, RefiJet., and OpenRoad Lending, LLC NMLS#710945
Kikoff Privacy Policy: https://kikoff.com/privacy-policy.pdf
No credit checked needed.
Updated on
Aug 15, 2026
Featured stories
Data safety
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Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
- This app may share these data types with third partiesPersonal info, Financial info and 5 others
- This app may collect these data typesLocation, Personal info and 6 others
- Data is encrypted in transit
- You can request that data be deleted
Ratings and reviews
129K reviews
HPLovinMama6
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December 30, 2025
I used a different app in the past. This was easier at $5 per month and cheaper to build credit. I didn't mind that the credit could only be used in their store because it keeps you from spending, thus adding to your credit. It did help me build credit over a years time. I dropped it to 3 stars because it is an absolute nightmare to get your money out for the loan part. The hoops you have to jump through to get your own money is insane. I won't use that part again, unfortunately.
189 people found this review helpful
Kikoff Inc.
December 30, 2025
Thank you for taking the time to share your feedback. We're dedicated to making improvements based on your insights. For further assistance, please call us at 1 (844) 741-9282 or visit http://kikoff.com/link/get-help. Our hours of operation are 4am-7pm PST, 7 days a week.
Jamie Nicole Davenport
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November 10, 2024
It worked great when I first tried it, but then they locked me out of my account. When I try to login with my phone number, the only option it gives me, it says it is registered to another user and to try again. I only have one number and it's on my account with them. Now they are reporting on my credit. An app that was supposed to help me repair my credit is actually making it worse. DON'T USE THIS APP IF YOU ACTUALLY HOPE TO RAISE YOUR CREDIT SCORE!!!
1,458 people found this review helpful
Tena Gonzalez
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August 17, 2026
I have tried to set up an account with this app several times. At first it kept telling me my credit report was frozen. I go double check and now it keeps telling me to sign in with an email account I no longer have and won't let me set up the account with my correct email. This app has just been giving me migraines for an entire year. What a waste!!!
2 people found this review helpful
Kikoff Inc.
August 18, 2026
We're truly sorry to hear about your experience. We'd be happy to take a look into this for you! Please call us at 1 (844) 741-9292 or visit http://kikoff.com/link/get-help so we can try to work this out. We eagerly anticipate resolving this issue for you!
What’s new
We’re hard at work making sure Kikoff is the best credit-building companion for you.
