They deliver on what they promise. They’ve helped me increase my credit score much faster than I expected and I will continue to use them. Some of their features don’t seem to work, at least not for m... See more
Company replied
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Review summary
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Reviews shaping this summary
Still a new user and score has gone up. I hope down the road I can come back and change this to 5 stars. FYI no issues or problems yet and I hope this company only continues to get better and care f... See more
Company replied
Kickoff has worked wonders for me thusfar. Easy payments, they report to ALL credit Bureaus, and my credit has risen past the national average. Best of all, if you're a couple days late, no worries,... See more
Company replied
Kickoff has been such an awesome experience for me because of how helpful they truly are!! Literally raised my score by hundreds of points! Plus helped me figure out exactly how to help my situa... See more
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Company details
Written by the company
Kikoff is a personal finance platform that expands access to credit and financial services, helping people build credit quickly and work toward long-term financial health. Founded by a team with personal experience navigating the challenges of credit access, Kikoff is committed to creating fair, effective tools that support real financial progress. Designed to rethink the traditional hurdles of credit building, Kikoff opens a path to get started in minutes - with no credit check. Headquartered in San Francisco, Kikoff is a licensed lender and uses bank-level encryption to protect customer data. Learn more at Kikoff.com or by downloading the Kikoff app.
#1 Credit Building App with 4.9 star rating on 75k+ reviews. Sign up in just minutes!
Written by the company
- Improve your credit utilization, payment history, and account age with Kikoff.
- Credit score under 600? Kikoff users see an avg increase of 58 pts. Individual results vary.
Give your credit score a boost with Kikoff
No credit check. No hidden fees.
Start building credit today. Zero Fees. Zero Interest. Zero Catch. Really.
Contact info
United States
- kikoff.com
4.3
Excellent
2K reviews
Replied to 98% of negative reviews
Typically replies within 48 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Buyer Beware, your just throwing money away!
I rate a 2 because my credit score did improve but it was on its way to doing that itself. I want to inform people that this appears to be a SCAM company. Everything is fine until you finish out your contract and try to get the refund they promised when signed up, they run like the building is on fire. There is NO WHERE to ask for the refund when canceling your membership even though they declare there is and than have the nerve to state on line that after you’ve cancelled your account they can’t help you if you want your money back, it appears they said you don’t exist anymore and your account doesn’t either. If that isn’t a SCAM business I don’t know what is. I found this out by reading and researching online. I bet if the government was involved or you were being audited like you are supposed to regularly you’d know where my account was and could get into it anytime needed, you know like a legitimate business. They only answer emails in AI, bots so you will never get an answer. It’s time for a Class Action Lawsuit!!!!!
November 4, 2025
Unprompted review
Reply from Kikoff
We're sorry to hear about your experience, but we're here to help! To clarify, Kikoff Credit Account is designed to help you build credit by making consistent on-time payments and lower credit utilization. This product does not return the money back at the completion of your payments. This is a revolving credit line where the payments are applied to the balance, as well as reported to the bureaus. It's a subscription based credit building service. For further support, you may contact us directly at 1 (844) 741-9282! Our hours of operation are 4am-7pm PST, 7 days a week.
Kikoff was supposed to help build my…
Kikoff was supposed to help build my credit, but they actually made it worse. I don’t understand how a company that claims to help you improve your credit can cause it to drop. After I realized how disappointing their service was, I canceled right away—but they kept reporting late payments even after cancellation. Their reporting hurt my credit score, and customer support was useless in fixing it. Stay far away from Kikoff if you care about your credit.
July 3, 2025
Unprompted review
Reply from Kikoff
We're truly sorry to hear about what you’ve experienced. Your concerns matter to us, and we want you to know that we're here to help and committed to finding a solution. Please call us at 1 (844) 741-9282 or visit http://kikoff.com/link/get-help to enable us to explore a resolution. We remain committed to providing assistance!
I am saving money
I am saving money. You guys are trying to help with making a deal with a creditor.
You guys care and that means a lot.
October 24, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Recommend signing up asap
This is truly the best thing to get you started if you have no credit or even bad credit. Definitely recommend to anyone trying to get their credit up.
November 3, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Credit score has increased so much…
Credit score has increased so much using Kikoff I've joined Kikoff in OCT 23 2022 paying either $5.00 monthy to $10.00 monthly and it has raised my credit score at least 230 points
November 3, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Kick off
Kick off, help me tremendously to secure a loan, And raising my scores even more.
September 26, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your kind words! We’re thrilled to hear you’re enjoying Kikoff, and your feedback really motivates us to keep making it better for you!
im happy because i can finally start…
im happy because i can finally start over and understand my credit
November 3, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Kickoff is awesome it has really…
Kickoff is awesome it has really helped me get my credit score back on track I am really impressed 🙌🏽
November 3, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
My credit went 10 points
November 3, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Build up your…
Such a great way to build up your credit score and save up a little money at the same time! Thanks for providing this service to help people with their credit scores.
November 3, 2025
Unprompted review
Reply from Kikoff
Thank you for your kind words! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!
Kickoff already a goal,
My experience with kickoff very professional great customer service in detail what’s being done to help people out with their credit thank you so much
November 3, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
I have nothing but good things to say…
I have nothing but good things to say about Kikoff! I've been a member going in 2 years and my credit score have never looked better. I tell EVERYONE that if you are not using Kikoff, you are missing out! For those who are....CLOCK IT! 😆
October 23, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
This app is really amazing!
The entire experience is great and it really does help your credit by proving that you are making on time payments!
November 3, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your kind words! We’re thrilled to hear you’re enjoying Kikoff, and your feedback really motivates us to keep making it better for you!
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Reply from Kikoff
Thank you for your kind words! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!
Big ass waste of time and money
November 3, 2025
Unprompted review
Reply from Kikoff
We’re sorry to hear about your experience, but we’re here to help! Please call us at 1 (844) 741-9282 or visit http://kikoff.com/link/get-help so we can try to work this out. Just to clarify, Kikoff is designed to help build credit through on-time payments and lower credit utilization. It’s not a traditional credit card card.
Saved my credit with laser like…
Saved my credit with laser like precision and magic like results! I went from ex con credit to an American Express card customer. Still feels strange saying it! Woooh!
November 3, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
i started using kickoff & it wasnt even…
i started using kickoff & it wasnt even a full month until i started seeing results kickoff most deff help build your credit score quick & fast & it dont go up just by a little points it shoot up like 55 points especially if you making your payments on time
August 13, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your kind words! We’re thrilled to hear you’re enjoying Kikoff, and your feedback really motivates us to keep making it better for you!
I was surprised to see that I went from…
I was surprised to see that I went from a credit score of 0 to a 636 in less than 2 months.
November 3, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Tha way it’s helping me with my credit…
Tha way it’s helping me with my credit score!!!
July 8, 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
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