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Building credit doesn’t have to be difficult. It doesn’t have to be something that consumes your life and adds to your financial stress. With Kikoff, it’s easier than ever to take the steps needed to boost your credit score in a reasonable period of time.

Kikoff addresses three key factors that determine 80 percent of your credit score:

1. Payment history 

We report your monthly payments to the three major credit bureaus (Equifax, Experian, and TransUnion). Every payment you make builds your payment history, which helps improve your credit. 

2. Credit utilization

Your goal is to minimize your credit usage limit. The smaller the ratio the better it is for your credit score. Our credit utilization rates are less than 10 percent. 

3. Average account age

Older accounts are better than newer accounts when it comes to your credit score. Your Kikoff account doesn’t expire. Keeping it open will increase your average account age. 

The three steps for getting started

If everything above sounds good to you — and it probably does — there are three simple steps you can take to get started. 

  • Apply for a Kikoff account: It only takes a couple of minutes to apply, and best yet, there’s no credit pull. Choose the Kikoff Credit Service for $5/month if you’re interested in building long-term credit. 
  • Make your first payment: Every payment you make goes toward your Credit Account balance. Your payment history is then reported to the credit bureaus. As long as you have an active Kikoff account, your account will stay open.
  • Open your Credit Builder loan: Once you make your first payment, you can open your Credit Builder loan. With zero percent interest and no fees, there’s no risk here. Pay 12 installments of $10/month. Upon completion, Kikoff will return the full amount ($120) to you. 

The impact on your credit score

The primary reason to sign up for Kikoff is to increase your credit score. While the company doesn’t make any guarantees, it shares the following information on its website:

On average, customers with credit scores under 600 increase their credit scores by 58 points[1], helping them qualify for better car loans, mortgages, credit cards, personal loans, and more.

Of course, Kikoff can only do so much for you. Even if you do everything right with your Kikoff account, your score won’t increase if you’re making mistakes in other areas of your financial life. 


Anything you can do to improve your credit score is something worth your consideration. Kikoff is designed from the ground up for consumers who need a push in the right direction. Once you open an account, you have another tool in your arsenal for improving your credit score. 

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2 thoughts on “Credit Spotlight: Kikoff”

  1. i applied for ur program but it said could not verify against public records. all it asked for was my email address thats it

  2. I don’t know about this, but we’re going to try it out and see what happens next, THANK YOU!

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