Kikoff

Kikoff is the smartest way to build credit fast. Starting under 600? You could jump 25 points your first month.* Pick a plan, starting at just $5 a month.† Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up. Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health. Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡. Best of all? No credit checks, no interest, and no hidden fees. Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit. Get started today. *Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary. †Kikoff Credit Service starts at $5/mo for 12 mos. ‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan). §Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart. Kikoff Inc. PO Box 40070, Reno, NV 89504 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.

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