Kikoff – Build Credit Quickly
Description
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.
What's New
Thank you for using Kikoff! The number one way to build your credit! This version includes: * Various UI improvements * Bug fixes
Details
- Developer
- Kikoff Inc.
- Main Category
- Finance
- Version
- 1.171.3104
- Version Release
- 2026-06-02
- Initial Release
- 2021-04-14
- Size
- 260 MB
- Age Rating
- 4+
- Price
- Free
- Languages
- EN
- Bundle ID
- com.kikoff
- Version Rating
- ★ 4.93 (249,906)
- First Seen
- 2026-05-28
Metadata updated 2026-06-14
Rank History
Free · Max 90 days · Top 5 categories shown (Y-axis: rank, lower is better)
Free Rankings
Paid Rankings
No rankings
Competitive Benchmark — Finance Top 10
What it takes to beat this app — comparison with the category's top apps. The orange row is the current app.
| # | App | Price | Rating | Ratings | Langs | Last Update |
|---|---|---|---|---|---|---|
| 1 | Kalshi: Trade the Cup | Free | ★ 4.76 | 154,874 | 1 | 2026-06-12 |
| 2 | Polymarket | Free | ★ 4.64 | 31,253 | 1 | 2026-06-12 |
| 3 | Cash App | Free | ★ 4.79 | 8,443,162 | 2 | 2026-06-08 |
| 4 | Venmo | Free | ★ 4.85 | 15,466,190 | 1 | 2026-06-08 |
| 5 | PayPal - Pay, Send, Save | Free | ★ 4.78 | 6,299,070 | 36 | 2026-06-11 |
| 6 | Trump Accounts: Official App | Free | ★ 4.16 | 185 | 1 | 2026-06-10 |
| 7 | Robinhood: Trading & Investing | Free | ★ 4.28 | 4,769,588 | 1 | 2026-06-08 |
| 8 | Capital One Mobile | Free | ★ 4.85 | 10,725,622 | 2 | 2026-06-08 |
| 9 | Chime® – Mobile Banking | Free | ★ 4.82 | 1,488,023 | 1 | 2026-06-09 |
| 10 | Chase Mobile®: Bank & Invest | Free | ★ 4.84 | 9,211,024 | 2 | 2026-06-11 |
| 47 | Kikoff – Build Credit Quickly | Free | ★ 4.93 | 249,906 | 1 | 2026-06-02 |
More by This Developer
User Reviews
Very user friendly and efficient. I have had so much success with this company
Ever Since I Signed Up And Started Using Kikoff Literally My Credit Has Been Sky Rocketing Non Stop
I love this app
If you need help building your credit you’ve came to the right place!
My cousin recommended me this app to help me build credit. I went for the highest tier and got that tradeline and then started the credit builder loan. On top of that I had the options to report my rent and phone bills, so I did that too. 1 month later I have 690 and I couldn’t be happier. Now my chance of getting a car has grown exponentially. Thanks Kikoff!
Awesome
I love the virtual aid FLYNN , when you ask questions, it tells you exactly what and how to do things, if i asked what to pay off first, it told me and how much, staying consistent and use the suggestions, i will definitely get my daughters started on this app
Has helped me tremendously as long as you do what you suppose to do your credit will be good
I stop using this cause the credit line they give you doesn’t work anywhere, but yet I was paying monthly faithfully. And my score didn’t go up much at all!!!
What a scam! Even if you downgrade, you still get charged premium rates for an extra month. I paid for April and May, but in May they removed my premium options and switched me to basic. I paid basically $70 for April but only received the basic plan. When I tried to talk to them, it was like speaking to a child - they just gave me the runaround with no help at all."
Reviews are collected only for apps with detected changes (new entries or sharp risers).