Kikoff: Build Credit Quickly

Kikoff Inc. · checked 13 Nov 2026

#10 · Credit Monitoring Apps

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How it plugs in

—Public API

NoOpen source

NoFree tier

Signal on Credit Monitoring Apps5.3#10 of 13

Kikoff offers plans and services intended to help customers build credit through a reported Kikoff tradeline.

Pricing

Kikoff Basic$5/mo
Kikoff Premium$20/mo
Kikoff Ultimate$35/mo
Basic$5/mo · $750 reported Kikoff tradeline · Reports to Equifax, Experian, & TransUnion · Weekly credit report · Rent reporting to Equifax & TransUnion$5/mo
Premium$20/mo · $2,500 reported Kikoff tradeline · 3-bureau credit reports and scores · Bill reporting · Track and manage spending$20/mo
Ultimate$35/mo · $3,500 reported Kikoff tradeline · $1M identity theft insurance · Personal data protection$35/mo

As kikoff.com lists them, checked 23 Oct 2026.

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Runs on

Web
Windows
Mac
Linux
iOS
Android

Facts

Website: kikoff.com
Price: From $5/mo
Free trial: Not stated
Bill reporting: Bill Reporting reports eligible monthly utility and phone payments to TransUnion; only positive payments are reported.
Credit-building mechanism: The monthly plan is financed with the Kikoff tradeline and repaid using a debit card.
Credit bureau reporting: Kikoff plans report to Equifax, Experian, and TransUnion.
Founded: 2019
Headquarters: San Francisco, United States
Intended audience: Kikoff describes its mission as making financial security accessible regardless of where someone is starting from.
Mobile availability: Kikoff lists an iPhone and iPad app and a Google Play app.
Payment limits: The Kikoff tradeline is restricted to financing purchases via the Kikoff Store and cannot be used for everyday purchases.
Rent reporting: Rent reporting can include up to two years of prior rental payments for a one-time $50 fee.
Security: Kikoff says it uses commercially reasonable measures to protect personal information but cannot guarantee absolute security.
Sign-up: Kikoff says customers can sign up without a credit check and verify identity with an SSN or TIN.
Support: Kikoff lists [email protected] as a contact for support inquiries.

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