Kikoff - Build Credit Quickly

The description of Kikoff - Build Credit Quickly

Site Editorial Commentary：No credit checked needed.

Ready to build your credit? Kikoff is the fast, smart, and easy way to establish and grow your credit profile. Join the millions using Kikoff to take control of their financial future.

Kikoff users who make timely payments typically see an average credit score improvement of 58 points.*

Choose the Kikoff Basic plan for just $5/month or upgrade to the Premium plan at $20/month. Both plans offer a credit line reported to Equifax, Experian, and TransUnion** monthly. Each on-time payment contributes to your payment history, a key factor in building credit. Whether you have limited or no credit history, Kikoff offers an accessible and stress-free solution. No credit check is required, and the application process takes only a few minutes.

Here’s how Kikoff works:

1. We help lower your credit utilization by providing a tradeline of $750 or $2,500.

2. Use your tradeline to make purchases within the Kikoff store, and simply repay what you spend. Our most popular payment option starts as low as $5/month. We report these payments to Equifax, Experian, and TransUnion each month, helping you maintain a low credit utilization rate.

3. Opt for automated credit building by enabling AutoPay. Once your account is set up, Kikoff handles the rest.

4. Kikoff identifies potential errors in your credit report. Premium Credit Service users can also enroll in rent Reporting to have their rent payments included in their credit history.

Kikoff assists you in building credit by establishing a positive payment history and maintaining a low credit utilization rate, all without hidden fees or interest charges.

*Credit Score Increase: Based on Kikoff customers with initial credit scores of 600 or below. Individual results may vary, as payment behavior significantly impacts credit scores. Data as of March 2022.

**Reporting to credit bureaus depends on your selected Kikoff product. The Kikoff Credit Account and Secured Credit card are reported to Equifax, Experian, and TransUnion. 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.

*** Credit Card services offered through Bankrate, LLC NMLS ID# 1427381

*** loan services offered through Moneylion Technology Inc. NMLS ID# 1475872

*** Auto loan providers offered through Caribou Financial Inc. NMLS# 1746612, RefiJet., and OpenRoad Lending, LLC NMLS#710945

**PERSONAL LOAN INTEREST AND FEES are available to see on Kikoff’s marketplace from third party advertisers, from which Kikoff receives compensation. The offers you see on the Kikoff Marketplace have rates from 6.99% APR to 35.99% APR with terms from 1 month to 84 months. Rates are subject to change without notice and are conTrolled by our third party advertisers, not Kikoff. Depending on the specific lender, other fees may apply, such as origination fees or late payment fees. See the particular lenders terms and conditions for additional details. You may not qualify for a personal loan at all or you may not qualify for the lowest rates or the highest offer amounts.

PERSONAL-LOAN REPAYMENT EXAMPLE. The following example assumes a $10,000 auto-loan with a 5 year (60 month) term. For APRs ranging from 6.99% - 35.99%, monthly payments would range from $198 to $361. Assuming all of the 60 monthly payments are made on-time, the total amount would range from $11,878 to $21,676.

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