Showing source for: https://kikoff.com/
Duration: 0.193897s
Server: Vercel
<!DOCTYPE html><html><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, initial-scale=1"/><meta http-equiv="x-ua-compatible" content="IE=edge"/><meta property="og:image" content="https://kikoff.com/logo.png"/><meta name="msapplication-TileColor" content="#ffffff"/><meta name="msapplication-TileImage" content="/ms-icon-144x144.png"/><meta name="theme-color" content="#ffffff"/><link rel="apple-touch-icon" sizes="57x57" href="/apple-icon-57x57.png"/><link rel="apple-touch-icon" sizes="60x60" href="/apple-icon-60x60.png"/><link rel="apple-touch-icon" sizes="72x72" href="/apple-icon-72x72.png"/><link rel="apple-touch-icon" sizes="76x76" href="/apple-icon-76x76.png"/><link rel="apple-touch-icon" sizes="114x114" href="/apple-icon-114x114.png"/><link rel="apple-touch-icon" sizes="120x120" href="/apple-icon-120x120.png"/><link rel="apple-touch-icon" sizes="144x144" href="/apple-icon-144x144.png"/><link rel="apple-touch-icon" sizes="152x152" href="/apple-icon-152x152.png"/><link rel="apple-touch-icon" sizes="180x180" href="/apple-icon-180x180.png"/><link rel="icon" type="image/png" sizes="192x192" href="/android-icon-192x192.png"/><link rel="icon" type="image/png" sizes="32x32" href="/favicon-32x32.png"/><link rel="icon" type="image/png" sizes="96x96" href="/favicon-96x96.png"/><link rel="icon" type="image/png" sizes="16x16" href="/favicon-16x16.png"/><link rel="manifest" href="/manifest.json"/><title>Kikoff Credit Builder | Build Credit Safely & Responsibly</title><meta name="description" content="Kikoff is the only credit building program intentionally designed to keep your utilization rate low. If you’re wondering how to build credit easily and affordably, look no further. No credit check required, just take 3 minutes to sign up - available online and through mobile app."/><link rel="canonical" href="https://kikoff.com"/><meta name="next-head-count" content="27"/><link rel="preload" href="/_next/static/css/76a90ca83486bd63.css" as="style"/><link rel="stylesheet" href="/_next/static/css/76a90ca83486bd63.css" data-n-g=""/><link rel="preload" href="/_next/static/css/0e407f0038adf39b.css" as="style"/><link rel="stylesheet" href="/_next/static/css/0e407f0038adf39b.css" data-n-p=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" src="/_next/static/chunks/polyfills-5cd94c89d3acac5f.js"></script><script src="/_next/static/chunks/webpack-992c1f17ba087980.js" defer=""></script><script src="/_next/static/chunks/framework-600064d643e5bbab.js" defer=""></script><script src="/_next/static/chunks/main-94f3c9b23681ad46.js" defer=""></script><script src="/_next/static/chunks/pages/_app-c8f91c3be42dc135.js" defer=""></script><script src="/_next/static/chunks/84372-8923877e6dcedb0a.js" defer=""></script><script src="/_next/static/chunks/55343-8ee7718cd45f1f66.js" defer=""></script><script src="/_next/static/chunks/69306-87d543266cb32447.js" defer=""></script><script src="/_next/static/chunks/75088-de572c233b24a963.js" defer=""></script><script src="/_next/static/chunks/29264-6b3c278a8ec6c99d.js" defer=""></script><script src="/_next/static/chunks/83944-6b2235a1d3d75af1.js" defer=""></script><script src="/_next/static/chunks/pages/_v2-7e9891dda46be62b.js" defer=""></script><script src="/_next/static/f726a5ba5ba307a21c10c90022af1c9217550996/_buildManifest.js" defer=""></script><script src="/_next/static/f726a5ba5ba307a21c10c90022af1c9217550996/_ssgManifest.js" defer=""></script><script src="/_next/static/f726a5ba5ba307a21c10c90022af1c9217550996/_middlewareManifest.js" defer=""></script></head><body><div id="__next" data-reactroot=""><div id="app-root"><noscript><iframe title="gtm" src="https://gtm.kikoff.com/ns.html?id=GTM-KZDXSSZ" height="0" width="0" style="display:none;visibility:hidden"></iframe><img height="1" width="1" style="display:none;visibility:hidden" src="https://www.facebook.com/tr?id=759796597839521&ev=PageView&noscript=1" alt=""/><img src="https://s.amazon-adsystem.com/iu3?pid=6e680d11-ca05-4a10-846e-7ed2a42e2f5a&event=PageView" width="1" height="1" style="display:none;visibility:hidden"/><img height="1" width="1" style="display:none;visibility:hidden" src="https://q.quora.com/_/ad/354d1feeb83b42268f568d7ba66f94fc/pixel?tag=ViewContent&noscript=1"/></noscript><div class="_app_general-error__rDeNl"><div class="errors_error-wrapper__wGaqE"><div class="errors_error___OJUh errors_panel__0ma_4" style="border-left:4px solid red;background:hsl(0, 100%, 95%);max-width:500px"><div class="errors_message__ECWtP" data-cy="error-message" style="font-size:15px;line-height:15px"><span class="errors_type__099uX" style="color:red">Error: </span></div><div class="errors_options__UHgRW" style="background:hsl(0, 100%, 95%);max-height:20px"><div class="ContainerButton_container-button__zSMM6" style="cursor:pointer;color:red" tabindex="0" role="button" data-cy="error-option-icon"></div></div></div></div></div><div id="page-root"><div class="landing_landing-layout__y4u_A"><nav class="styles_landing-nav__3QTRc landing_nav__WDPBc landing_top__0lGm7"><div class="page_align_page-align__BBPm1"><div class="page_align_content__RoeO0"><div class="styles_container__NuYz3"><header><a style="font-size:24px" href="/"><img src="/_next/static/media/logo_black.a001553f.svg" alt="Kikoff logo" class="Logo_logo__2Yvhl"/></a></header><div class="styles_navbar__8bJTX"><div class="styles_links__DBq5d"><div class="styles_dropdown__feo3i"><div class="ContainerButton_container-button__zSMM6 styles_button__Hgdmg" style="cursor:pointer" tabindex="0" role="button"><div>Build Credit</div><div class="styles_arrow__nye0M"></div></div><div class="styles_content__eV5g3 Card_card__j4UbT" style="box-shadow:0 0 8px 0 #0002"><a class="KLink_new-line__UEyOC styles_item__IjfYM" href="/credit-account">Credit Account</a><a class="KLink_new-line__UEyOC styles_item__IjfYM" href="/rent-reporting">Rent Reporting</a></div></div><a class="styles_item__IjfYM" href="/kikoff-card">Secured Credit Card</a><a class="styles_item__IjfYM" href="/faq">FAQs</a><a class="styles_item__IjfYM" href="/pricing">Pricing</a><a class="styles_item__IjfYM" href="/about">About Us</a></div><div class="styles_right-side__zW0jW"><a class="styles_inverted-link__765dI" href="/login">Login</a><a class="styles_signup__RTVNa" data-cy="nav-menu-signup" href="/onboarding">Sign up</a></div></div></div><div></div><div class="styles_menu-background__YfKmT"><div class="styles_landing-menu__zWsYX styles_menu__TKxwr" data-cy="links"><a data-cy="link" class="styles_item__Kuffd text:large" href="/credit-account">Credit Account</a><a data-cy="link" class="styles_item__Kuffd text:large" href="/rent-reporting">Rent Reporting</a><a data-cy="link" class="styles_item__Kuffd text:large" href="/kikoff-card">Secured Credit Card</a><a data-cy="link" class="styles_item__Kuffd text:large" href="/faq">FAQs</a><a data-cy="link" class="styles_item__Kuffd text:large" href="/pricing">Pricing</a><a data-cy="link" class="styles_item__Kuffd text:large" href="/about">About Us</a><a class="styles_item__Kuffd text:large" data-cy="login" href="/login">Login</a><a class="styles_inverse-button__GlLTr" data-cy="sign-up" href="/onboarding">Sign up</a><div class="styles_badge-wrapper__SqRvY" data-cy="store-icons"><a href="https://apps.apple.com/US/app/id1525159784?l=en" class="styles_badge-link-primary__aVpCl" data-cy="app-store" target="_blank" rel="noreferrer"><img src="/_next/static/media/app_store_badge.66750818.svg" class="styles_store-badge-primary__46fgr" alt="Kikoff App Store Badge"/></a><a href="https://play.google.com/store/apps/details?hl=en&id=com.kikoff" class="styles_badge-link-primary__aVpCl" data-cy="play-store" target="_blank" rel="noreferrer"><img src="/_next/static/media/play_store_badge.48fcc2c4.svg" class="styles_store-badge-primary__46fgr" alt="Kikoff Play Store Badge"/></a></div></div></div></div></div></nav><div class="landing_content__9bWbC"><div><section class="styles_hero-section__e0vYp"><div class="styles_hero-contents__MqdkL"><div class="styles_left-section__PogcL"><h1 class="styles_new-hero-title__RrMMH text:heading-3++" data-cy="hero-title">Build credit with Kikoff</h1><div class="text:large styles_new-hero-subtitle__sVNV_">Join over a million people already using Kikoff.</div><div class="styles_left-content__nAS1W"><div><div class="styles_hero-items__KrYGx"><div class="text:large styles_hero-item___f2QU">No credit check</div><div class="text:large styles_hero-item___f2QU">Open your account in minutes</div><div class="text:large styles_hero-item___f2QU">Average of 28 point increase after the first month of Kikoff<sup class="text:small">1</sup></div></div><form class="styles_main-cta__G47ZR" data-cy="main-cta-form"><div class="underline_text_input_underline-text-input__sUyNS styles_new-input__5hiEb"><input type="text" name="email" id="appId-0"/><label for="appId-0">Your email</label></div><div class="styles_button-wrapper__3qU2Y"><button type="submit" class="KButton_k-button__5qo8z KButton_variant_primary__Ib2Ix KButton_state_active__1Syep KButton_size_full-width__n3Am6 text:regular styles_get-started-button__gUSoq" data-sticky-footer-anchor="true"><span class="color:white text:large+">Get started</span></button></div></form></div></div></div><div class="styles_right-section__jHjuR"><div class="styles_full-phone__xHYAk"><img src="/_next/static/media/iphone_full.dce5250c.png"/></div><div class="styles_half-phone__E5l_S"></div></div></div></section><section class="styles_publication-section__23dUd"><div class="styles_logos-seen-on__4itSU text:large+">As seen in</div><div class="styles_social-proof-section__sezVi"><div class="styles_social-proof-wrapper__wZrQM"><img class="styles_company-logo__86hb9" src="/_next/static/media/nerdwallet.fde8d791.png" alt="Nerdwallet"/></div><div class="styles_social-proof-wrapper__wZrQM"><img class="styles_company-logo__86hb9" src="/_next/static/media/credit_karma.4dc8835a.png" alt="Credit Karma"/></div><div class="styles_social-proof-wrapper__wZrQM"><img class="styles_company-logo__86hb9" src="/_next/static/media/cnbc.e2ff6c62.png" alt="CNBC"/></div><div class="styles_social-proof-wrapper__wZrQM"><img class="styles_company-logo__86hb9" src="/_next/static/media/forbes.db1729b6.png" alt="Forbes"/></div><div class="styles_social-proof-wrapper__wZrQM"><img class="styles_company-logo__86hb9" src="/_next/static/media/penny_hoarder.9362f5c3.png" alt="the Penny Hoarder"/></div></div></section><section class="styles_summary__ZBPfj"><header><div class="text:heading-2++ styles_vibrant-summary__E53gq"><span class="color:black">No credit? Low credit?</span><br/><span class="color:primary">Kikoff can help.</span></div></header></section><section class="styles_block-row__OnQub"><div class="styles_landing-block__ifl7Q styles_safe-credit__lzV_D"><div class="styles_txt-side__o9o2r"><header class="text:heading-3++">The safe way to build credit</header><p class="text:large">We help you establish positive payment history and lower utilization, both important factors in calculating your credit score.</p><div><a class="color:black text:large+ styles_learn-more-link__eKtAa" href="/credit-account">Learn more<!-- --> </a></div></div><div class="styles_img-side__YPriG"><img alt="phone with app" src="/_next/static/media/iphone_top_half.20f4b4ce.png"/></div></div></section><section class="styles_block-row__OnQub"><div class="styles_landing-block__ifl7Q styles_yellow__78rmS styles_no-credit-check__A59nJ"><header class="text:heading-2++">No credit check</header><p class="text:large">No hard pulls required</p><header class="text:heading-2++">Starts at $5/mo</header><p class="text:large">Cancel anytime</p></div><div class="styles_landing-block__ifl7Q styles_easy-automatic__FJRYt"><div class="styles_txt-side__o9o2r"><header class="text:heading-3++">Easy & automatic</header><p class="text:large">With the optional Autopay, never worry about due dates.</p></div><div class="styles_img-bottom__kyA8C"><img alt="easy payment progress" src="/_next/static/media/easy_payment_progress.bbd99e1b.png"/></div></div></section><section class="styles_block-row__OnQub"><div class="styles_landing-block__ifl7Q styles_black__WWbG8 styles_credit-journey__JN2pT"><div class="styles_txt-side__o9o2r"><header class="text:heading-3++">Track your credit journey</header><p class="text:large">With our credit monitoring reports, see insights like problem areas so you stay on track to grow your credit.</p></div><div class="styles_img-side__YPriG"><img alt="credit history" src="/_next/static/media/green_chart.7db54165.svg"/></div></div></section><section class="styles_customer-video-section__exIvr"><div class="styles_customer-video-title__U2yoo">Meet our customers</div><div class="styles_customer-video-quote__WrXeo">“Kikoff is the best way to build credit quickly.”<br/>- Fredrika, a real Kikoff customer</div><div class="styles_customer-video-content__0Btzl styles_horizontal__h3zg1"><div style="width:100%;height:100%" class="styles_react-player__Fw74n"></div></div></section><section class="styles_members-helped-section__4RNv_"><div class="styles_members__lEk9d"><div class="styles_member__E_G6d"><img src="/_next/static/media/member_3.57d113d0.png"/></div><div class="styles_member__E_G6d"><img src="/_next/static/media/member_1.402136d4.png"/></div><div class="styles_member__E_G6d"><img src="/_next/static/media/member_2.a7ea5e95.png"/></div><div class="styles_member__E_G6d"><img src="/_next/static/media/member_5.344046a2.png"/></div><div class="styles_member__E_G6d"><img src="/_next/static/media/member_6.393edee6.png"/></div><div class="styles_member__E_G6d"><img src="/_next/static/media/member_4.179729b9.png"/></div></div><div class="text:heading-3++ styles_main-copy__J4oeH">We’ve helped members increase credit scores by a total of 9.6M points<sup>2</sup></div><div class="styles_button-wrapper__5OvMw"><button type="button" class="KButton_k-button__5qo8z KButton_variant_primary__Ib2Ix KButton_state_active__1Syep KButton_size_standard__BAcuv text:regular styles_get-started-cta__bo8kr"><span class="color:white">Get started</span></button></div></section><section class="styles_quotes-section__iuM_8" data-cy="homepage-quotes"><header>Don’t just take our word for it.</header><div class="styles_note__g3U6I"><p>Join over a million people building their credit with Kikoff.</p><br/>As reviewed on<!-- --> <span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%27195%27%20height=%2732%27/%3e"/></span><img alt="Nerdwallet" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" class="styles_nerdwallet-img__xMIYu" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Nerdwallet" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fnerdwallet.fde8d791.png&w=256&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fnerdwallet.fde8d791.png&w=640&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fnerdwallet.fde8d791.png&w=640&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="styles_nerdwallet-img__xMIYu" loading="lazy"/></noscript></span></div><div class="marquee_marquee__ptkb5 styles_homepage-marquee__oGjZl"><div><div class="styles_quote__8T0yl"><div>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!</div><div>Timothy L.</div></div><div class="styles_quote__8T0yl"><div>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!</div><div>Desiree F.</div></div><div class="styles_quote__8T0yl"><div>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!</div><div>Nathan C.</div></div><div class="styles_quote__8T0yl"><div>0 in July, 700 in December. Y’all did that.</div><div>@seph.selle</div></div><div class="styles_quote__8T0yl"><div>I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!</div><div>@ian_the_1</div></div><div class="styles_quote__8T0yl"><div>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!</div><div>Taeyana T.</div></div></div><div><div class="styles_quote__8T0yl"><div>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!</div><div>Timothy L.</div></div><div class="styles_quote__8T0yl"><div>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!</div><div>Desiree F.</div></div><div class="styles_quote__8T0yl"><div>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!</div><div>Nathan C.</div></div><div class="styles_quote__8T0yl"><div>0 in July, 700 in December. Y’all did that.</div><div>@seph.selle</div></div><div class="styles_quote__8T0yl"><div>I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!</div><div>@ian_the_1</div></div><div class="styles_quote__8T0yl"><div>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!</div><div>Taeyana T.</div></div></div></div></section><section class="styles_questions-section__6xVnh"><div class="styles_questions__Lrryl"><h1 class="text:heading-3 mt-0">Have questions?</h1><ul><li><button class="buttons_container__qtkfR styles_question__76LHk" style="cursor:pointer" type="button" data-cy="faq-question"><div>How does Kikoff work?</div><div class="plus_expander_plus-expander__hhLz7" style="width:16px;height:16px"><div style="width:16px;height:2px;top:calc(50% - (2px / 2));border-radius:"></div><div style="height:16px;width:2px;left:calc(50% - (2px / 2));top:0;border-radius:"></div></div></button><div class="Collapsible_collapsible__vEP2G"><div class="Collapsible_wrapper__VpR_d" style="height:0;opacity:0"><div class="styles_answer__t3Wzl" data-cy="faq-answer"><p>Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the<!-- --> <a class="" href="https://www.equifax.com/personal/education/credit/score/what-affects-credit-score-infographic/">5 major credit score factors</a>.</p><p><ul><li><b>Credit Account</b> - 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.</li><ul><li>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 and Experian.</li><li>Reduce your credit utilization: Signing up for Kikoff gives you access to a $750 line of credit to make purchases from Kikoff.</li><li>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.</li></ul><li><b>Credit Builder Loan</b> - Credit Builder Loan is a 1-year credit-building plan that also builds $10/month in savings. At the end of the year, you’ll have built 12 months of payment history and you’ll get all your savings back ($120).</li><li><b>Secured Credit Card</b> - this is a free, 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.</li></ul></p></div></div></div></li><li><button class="buttons_container__qtkfR styles_question__76LHk" style="cursor:pointer" type="button" data-cy="faq-question"><div>Is this a credit card?</div><div class="plus_expander_plus-expander__hhLz7" style="width:16px;height:16px"><div style="width:16px;height:2px;top:calc(50% - (2px / 2));border-radius:"></div><div style="height:16px;width:2px;left:calc(50% - (2px / 2));top:0;border-radius:"></div></div></button><div class="Collapsible_collapsible__vEP2G"><div class="Collapsible_wrapper__VpR_d" style="height:0;opacity:0"><div class="styles_answer__t3Wzl" data-cy="faq-answer"><p>Kikoff offers multiple products.</p><p><ul><li>The <b>Credit Account</b> is a revolving line of credit that gets reported to Equifax and Experian. 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<!-- -->.</li><li>The <b>Credit Builder Loan</b> is a savings product that reports to Transunion and Equifax. As a savings product, the Kikoff Credit Builder Loan cannot be used to make purchases.</li><li>The <b>Secured Credit Card</b> 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.</li></ul></p></div></div></div></li><li><button class="buttons_container__qtkfR styles_question__76LHk" style="cursor:pointer" type="button" data-cy="faq-question"><div>How much will Kikoff improve my credit score?</div><div class="plus_expander_plus-expander__hhLz7" style="width:16px;height:16px"><div style="width:16px;height:2px;top:calc(50% - (2px / 2));border-radius:"></div><div style="height:16px;width:2px;left:calc(50% - (2px / 2));top:0;border-radius:"></div></div></button><div class="Collapsible_collapsible__vEP2G"><div class="Collapsible_wrapper__VpR_d" style="height:0;opacity:0"><div class="styles_answer__t3Wzl" data-cy="faq-answer"><p>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.</p><p>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<!-- --> <a class="" href="/blog/how-do-i-get-a-700-credit-score">practice good financial habits</a>.</p><p class="text:mini color:moderate-weak">[1] Credit Score Increase: Based on Kikoff customers that used the<!-- -->Credit 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.</p></div></div></div></li><li><button class="buttons_container__qtkfR styles_question__76LHk" style="cursor:pointer" type="button" data-cy="faq-question"><div>Which bureaus does Kikoff report to?</div><div class="plus_expander_plus-expander__hhLz7" style="width:16px;height:16px"><div style="width:16px;height:2px;top:calc(50% - (2px / 2));border-radius:"></div><div style="height:16px;width:2px;left:calc(50% - (2px / 2));top:0;border-radius:"></div></div></button><div class="Collapsible_collapsible__vEP2G"><div class="Collapsible_wrapper__VpR_d" style="height:0;opacity:0"><div class="styles_answer__t3Wzl" data-cy="faq-answer"><p>Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion.</p><p>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:<ul><li><b>Credit Account</b> reports to Equifax, Experian, and TransUnion.</li><li><b>Credit Builder Loan</b> (optional add-on) reports to TransUnion and Equifax.</li><li>The <b>Secured Credit Card</b> (optional add-on) reports to Equifax, Experian and TransUnion. We require a minimum deposit of $50 required to be reported.</li></ul></p></div></div></div></li><li><button class="buttons_container__qtkfR styles_question__76LHk" style="cursor:pointer" type="button" data-cy="faq-question"><div>Are there other fees?</div><div class="plus_expander_plus-expander__hhLz7" style="width:16px;height:16px"><div style="width:16px;height:2px;top:calc(50% - (2px / 2));border-radius:"></div><div style="height:16px;width:2px;left:calc(50% - (2px / 2));top:0;border-radius:"></div></div></button><div class="Collapsible_collapsible__vEP2G"><div class="Collapsible_wrapper__VpR_d" style="height:0;opacity:0"><div class="styles_answer__t3Wzl" data-cy="faq-answer"><ul><li>With the <b>Credit Account</b>, 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.</li><li>The <b>Credit Builder Loan</b> is a savings product with minimal fees and a low interest rate that keeps as much of your money in your pocket as possible. With this product, you choose your path -- you can make payments with monthly bank transfers or pay by card. Then, after building up your payment history, you get back the deposits that you made each month.</li><li>Using the <b>Secured Credit Card</b>, 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.</li></ul></div></div></div></li></ul></div></section></div></div><section class="styles_sticky-container__6jhv2 landing_join__ZdxMS landing_hidden__hs_pt" data-layout-sticky="true"><a class="styles_floating-button__YwUw2" href="/onboarding"><div class="styles_texts-wrapper__ae9uz"><div class="text:heading-4 color:strong-on-inverse">Kikoff</div><div class="text:regular+ color:strong-on-inverse">Build credit fast</div></div><div><button type="button" class="KButton_k-button__5qo8z KButton_variant_container__fecUl KButton_state_active__1Syep KButton_size_small__reb52 text:regular"><span class="color:primary text:large+">Sign up</span></button></div></a></section><footer class="styles_landing-footer__JF3pX"><div class="styles_main-contents-row__kJLH3"><div class="styles_left-side__rGWeK"><a class="styles_footer-logo__lvohb" style="font-size:54px" href="/"><img src="/_next/static/media/logo_black.a001553f.svg" alt="Kikoff logo" class="Logo_logo__2Yvhl"/></a><div class="styles_get-started-section__KNLul"><button type="button" class="KButton_k-button__5qo8z KButton_variant_black__hUeWO KButton_state_active__1Syep KButton_size_standard__BAcuv text:regular">Get started</button></div><div class="styles_copyright__i0mCk">© <!-- -->2024<!-- --> Kikoff Inc.</div></div><div class="styles_middle-menu__TPgLt"><div class="styles_menu-column__mwJRW"><a href="/credit-account">Build Credit</a><a href="/rent-reporting">Rent Reporting</a><a href="/kikoff-card">Secured Credit Card</a><a href="/download">Download</a><a target="_blank" href="/faq">FAQs</a><a href="/about">About Us</a><a href="https://kikoff.grin.live/member-creator-application" target="_blank" rel="noreferrer">Influencers</a><a href="https://kikoffsupport.zendesk.com/hc/en-us/articles/22697015878541-Kikoff-Credit-Account-Affiliate-Program" target="_blank" rel="noreferrer">Affiliate</a></div><div class="styles_menu-column__mwJRW"><a href="/careers">Careers</a><a target="_blank" href="/blog">Blog</a><a target="_blank" href="/terms.pdf">Terms</a><a target="_blank" href="/privacy-policy.pdf">Privacy</a><a target="_blank" rel="noreferrer" href="https://www.coastalbank.com/privacy-notice/">CCB Privacy Notice</a><a target="_blank" href="/ca-privacy-policy.pdf">California Privacy Policy</a><div class="styles_l10n-section__SN227"></div></div></div><div class="styles_social-and-localization-wrapper__15MFT"><a class="styles_social-link__2FKcN" href="https://www.instagram.com/getkikoff/" rel="noreferrer" target="_blank"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2749%27%20height=%2749%27/%3e"/></span><img alt="Instagram" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Instagram" srcSet="/_next/static/media/instagram_black.b351d90c.svg 1x, /_next/static/media/instagram_black.b351d90c.svg 2x" src="/_next/static/media/instagram_black.b351d90c.svg" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></a><a class="styles_social-link__2FKcN" href="https://www.facebook.com/GetKikoff/" rel="noreferrer" target="_blank"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2749%27%20height=%2749%27/%3e"/></span><img alt="Facebook" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Facebook" srcSet="/_next/static/media/facebook_black.73dc2035.svg 1x, /_next/static/media/facebook_black.73dc2035.svg 2x" src="/_next/static/media/facebook_black.73dc2035.svg" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></a></div></div><div class="styles_disclaimer-rows__5N6PU"></div></footer></div></div></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{}},"page":"/_v2","query":{},"buildId":"f726a5ba5ba307a21c10c90022af1c9217550996","nextExport":true,"autoExport":true,"isFallback":false,"scriptLoader":[]}</script></body></html>