kikoff.com
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Submitted URL: https://url1941.psmark.perkspot.com/ls/click?upn=u001.JX5yNMmulKenkKh8ieBztAqgFmqnC-2Bnxzv6GBQq-2Fla3Bgj9glXDJfeO2maHOvWfXdtqx1FM94P...
Effective URL: https://kikoff.com/?utm_content=C95Q7QIF&utm_campaign=perkspotemail&utm_medium=partner&utm_source=referral
Submission: On December 16 via manual from US — Scanned from DE
Effective URL: https://kikoff.com/?utm_content=C95Q7QIF&utm_campaign=perkspotemail&utm_medium=partner&utm_source=referral
Submission: On December 16 via manual from US — Scanned from DE
Form analysis 1 forms found in the DOM
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BUILD CREDIT WITH KIKOFF
Join over a million people already using Kikoff.
No credit check
Open your account in minutes
Average of 28 point increase after the first month of Kikoff1
45 day satisfaction guarantee2
Your email
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NO CREDIT? LOW CREDIT?
Kikoff can help.
THE SAFE WAY TO BUILD CREDIT
We help you establish positive payment history and lower utilization, both
important factors in calculating your credit score.
Learn more
No credit check
No hard pulls required
Starts at $5/mo
Full refund if you cancel within the first 45 days. Cancel anytime after
Easy & automatic
With the optional autopay, never worry about due dates.
Track your credit journey
With our credit monitoring reports, see insights like problem areas so you stay
on track to grow your credit.
Meet our customers
“Kikoff is the best way to build credit quickly.”
- Fredrika, a real Kikoff customer
45-day money back guarantee
We're confident Kikoff can help you build better credit. If our service does not
meet your expectation, cancel within the first 45 days and receive your money
back.2
Sign up
We’ve helped members increase credit scores by a total of 9.6M points3
Get started
Don’t just take our word for it.
Join over a million people building their credit with Kikoff.
As reviewed on
I’m a teenager about to turn 19, and of course credit is extremely confusing.
Kikoff has helped me get a better understanding of the importance of building
credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2
year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 -
596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to
620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all
and a month later my credit score is at 596!
Taeyana T.
I’m a teenager about to turn 19, and of course credit is extremely confusing.
Kikoff has helped me get a better understanding of the importance of building
credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2
year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 -
596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to
620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all
and a month later my credit score is at 596!
Taeyana T.
Have questions?
* How does Kikoff work?
Kikoff is a credit-building service designed to help you build credit safely
and responsibly. Our products are designed to target the 5 major credit score
factors.
* Credit Account - this is our primary product: a revolving line of credit
designed to address the 3 key factors of your credit score: payment
history, credit utilization, and age of accounts.
* Build monthly payment history: Use your Credit Account to finance a
purchase from Kikoff and make monthly payments without interest or fees
to build your payment history. We’ll report each of your payments to
Equifax, Experian, and TransUnion.
* Reduce your credit utilization: Signing up for Kikoff gives you access
to a line of credit to make purchases from Kikoff.
* Raise your age of accounts: The older your accounts, the better. The
Credit Account doesn’t expire—so keeping it open will continue to
increase your average account age.
* Secured Credit Card - this is a secured credit card product that safely
builds your payment history through your everyday transactions. The
Secured Credit Card works like a debit card but has the benefits of a
credit card.
* Is this a credit card?
Kikoff offers multiple products.
* The Credit Account is a revolving line of credit that gets reported to
Equifax, Experian, and TransUnion. You are able to use the Kikoff Credit
Account to finance the purchase of goods and services from Kikoff. Unlike
a credit card, the Kikoff Credit Account can only be used to make
purchases from Kikoff (e.g. can’t buy gas or groceries). There is no
physical card with the Kikoff Credit Account.
* The Secured Credit Card is a secured credit card on the Mastercard network
that works like a checking account and debit card. The funds that are
deposited set the credit limit of the card so you never have to worry
about overspending or due dates.
* How much will Kikoff improve my credit score?
On average, customers with credit scores under 600 increase their credit
scores by 58 points[1], with consistent on-time payments during the account
lifetime. Many Kikoff customers have been able to qualify for better car
loans, mortgages, credit cards, personal loans, and more.
Keep in mind, credit building is a long-term habit – like eating healthy or
working out – so the most important thing is to make good financial habits:
make your payments on-time, keep your utilization low, and practice good
financial habits.
[1] Credit Score Increase: Based on Kikoff customers that used theCredit
Account product and made consistent on-time payments during account lifetime.
This data is based on observed VantageScore 3.0 credit score changes. Payment
behavior can have an impact on your credit score, and individual results may
vary. Data current as of March 2022.
* Which bureaus does Kikoff report to?
Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax,
Experian, and TransUnion.
Kikoff reports your accounts every month, at the start of the month. Please
note we report to different bureaus, depending on which accounts you have:
* Credit Account reports to Equifax, Experian, and TransUnion.
* The Secured Credit Card (optional add-on) reports to Equifax, Experian and
TransUnion. We require a minimum deposit of $50 required to be reported.
* Are there other fees?
* With the Credit Account, there are no additional fees. You are responsible
for paying back any purchases financed by the Kikoff Credit Account, but
there are no additional interest fees, late fees, or other fees.
* Using the Secured Credit Card, you can access your funds without any
additional fees from over 55,000 ATMs in the Kikoff network conveniently
located in Walgreens, Target, CVS, and more. Any ATMs outside of the
Allpoints network will be subject to a $2.50 Kikoff fee in addition to any
ATM fees.
Kikoff
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1 Based on real Kikoff members who made a purchase with the Kikoff Credit
Account between January 2021 and March 2024 with starting scores below 600 and
made their first payment saw an average Equifax Vantage 3.0 score increase of 28
points after their first month. Late payment may negatively impact your credit
score. Individual results may vary.
2 45 day money back guarantee requires completing cancellation of the Kikoff
Credit Service and/or any other Kikoff Store item(s) within 45 days, starting
from the day of the first purchase of the Kikoff Credit Service or any Kikoff
Store product(s). Cancellations handled through customer service may take
several business days to process but cancellations through the app or website
are processed the same day. Refunds typically process in 3-5 business days. The
money back guarantee is limited to up to one use per person.
3 Based on Kikoff customers who used the Credit Account product and made
on-time payments, and didn’t add non-Kikoff delinquencies/collections to their
credit profile. This data is based on observed Equifax Vantage 3.0 credit score
changes, and is current as of November 2022.
Kikoff Inc NMLS ID# 1930930 | Licenses
New Mexico residents only
New Mexico residents only – TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER
YOU MAY WRITE OR CALL Compliance Director at P.O. Box 40070, Reno, NV 89504;
(775) 993-6992; or at support@kikoff.com. This lender is licensed and regulated
by the New Mexico Regulation and Licensing Department, Financial Institutions
Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To
report any unresolved problems or complaints, contact the division by telephone
at (505) 476-4885 or visit the website
https://www.rld.nm.gov/financial-institutions/.