By AppHub Editorial Team · Updated August 3, 2026
Kikoff - Build Credit Quickly
Overview
Finance
Kikoff Inc.
Free
Mar 25, 2021
1.168.2720
7.0
No
May 12, 2026
Features
If you’re ready to build your credit, Kikoff is the fastest, smartest, and easiest way to do it.
Kikoff customers who make on-time payments see improvements of their credit score by 58 points, on average.
If you’re ready to build your credit, Kikoff is the fastest, smartest, and easiest way to do it. Kikoff customers who make on-time payments see improvements of their credit score by 58 points, on average.
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Ratings breakdown
121,000 reviewsDeveloper contact
Name
Kikoff Inc.
Address
633 Folsom St San Francisco, CA 94107-3600 United States
Website
https://kikoff.comPhone
+1 844-741-9300
Support
hello@kikoff.com
Privacy
View policyFrequently Asked Questions
How does Kikoff build credit? high
Kikoff provides you with a credit line (a 'tradeline') that is reported to the three major credit bureaus (Equifax, Experian, and TransUnion). You make a purchase within the Kikoff store using this line and then pay back what you spend, starting at $5/month. These on-time payments are reported monthly, which helps build your payment history and can improve your credit score. The app description notes that customers who start with a 600 or below credit score see an average improvement of 58 points with on-time payments.
Source: app_metadata
Is Kikoff a scam? low
Based on the available user review data, one reviewer out of five sampled called the app a scam, claiming it doesn't raise credit scores and has poor customer service. However, this is a single, low-confidence observation. The app has a 4.8-star rating from over 121,000 reviews, which suggests the majority of users have a positive experience. For a balanced view, it is best to treat the 'scam' claim as an unverified, single-user complaint.
Source: user_reviews, ratings_data
How much does Kikoff cost? high
Kikoff offers two plans: a Basic plan for $5/month and a Premium plan for $20/month. One sampled user from a 3-star review found the $5/month plan to be an affordable and effective way to build credit compared to other services.
Source: app_metadata, user_reviews
Can Kikoff damage my credit? low
One sampled user (2-star review) reported that the app damaged their credit because they accidentally signed up for a more expensive subscription plan than intended. Another user (1-star review) reported being locked out of their account, which could potentially lead to reporting issues. These are claims from individual, low-confidence reviews. The app's primary goal is to build credit through on-time payments, and late payments could negatively impact a credit score.
Source: user_reviews
How to Use
Kikoff helps users build credit by providing a credit line reported to major bureaus, requiring monthly payments for purchases made within its store. (app_description)
Getting Started
Source: app_description_and_user_feedback_noted
- Download the Kikoff app and create an account. No credit check is required.
- Choose between the Basic ($5/month) or Premium ($20/month) plan to get your credit line.
- With your new credit line, make a purchase from the Kikoff store (items are limited to their store).
- Repay what you spent each month; the minimum payment is often $5. Turn on AutoPay to automate payments, as recommended in the app description.
- Let Kikoff report your on-time payments to Equifax, Experian, and TransUnion to build your credit history.
- If you have the Premium plan, you can also sign up for Rent Reporting to add your rent payments to your credit report.
Key Features (from app listing)
Source: app_description
- No credit check required to sign up.
- Offers two plans: Basic ($5/month) and Premium ($20/month).
- Provides a tradeline of $750 or $2,500.
- Reports on-time payments to all three major credit bureaus: Equifax, Experian, and TransUnion.
- AutoPay feature to put credit building on autopilot.
- Flags potential errors on your credit report.
Derived from a verified user complaint in recent_reviews #4, where the user reported accidentally signing up for a $30/month program instead of a refund program.
How this content was created
Content type: pattern_analysis_of_user_reviews_and_metadata
AI generated: Yes
- Google Play user reviews (5 per app), November 10, 2024 to May 01, 2026
- Google Play ratings distribution
- App Store listing metadata
- Review samples are not statistically representative of all user sentiment.
- High-engagement complaints can overrepresent complaints.
- Claims labeled 'low confidence' are based on single-review observations only.
- No real-world app testing was conducted.
- Feature availability may vary by region, device, and app version.
Pros & Cons
Based on analysis of Google Play user reviews
Pros
- The app is considered an affordable and easier way to build credit, with its in-app store preventing overspending. low
Theme 'affordable credit building' identified in 1 recent review and corroborated by the app description's pitch. Review #1 (3-star) from recent_reviews explicitly praises the low cost and self-limiting spending.
Evidence (1)
“I used a different app in the past. This was easier at $5 per month and cheaper to build credit. I didn't mind that the credit could only be used in their store because it keeps you from spending, thus adding to your credit.”Rating: 3★ December 30, 2025 143 likes - The app does report to credit bureaus and helps establish a payment history, which is the core advertised function. low
Theme 'reporting to credit bureaus' identified in 1 recent review. Review #5 (5-star) from recent_reviews explicitly confirms the app reports a credit line to bureaus. This is also reiterated in the app description.
Evidence (1)
“It gives you a fake credit line that they report to the credit bureaus. They also offer identity insurance, access to soft credit reports from all 3 bureaus, and a secured credit builder account.”Rating: 5★ February 21, 2026 108 likes
Cons
- Account lockout issues are a significant and recent concern, where users cannot access their accounts, potentially affecting their credit reporting. low
Theme 'account lockout' identified in 1 recent review. Review #2 (1-star) from recent_reviews describes being locked out with a system error message about the phone number being registered to another user.
Evidence (1)
“It worked great when I first tried it, but then they locked me out of my account. When I try to login with my phone number, the only option it gives me, it says it is registered to another user and to try again.”Rating: 1★ November 10, 2024 1,407 likes - Some users claim the app does not improve their credit score and describe customer service as poor and difficult to understand. low
Theme 'scam / no credit improvement' and 'poor customer service' identified in 1 recent review. Review #3 (1-star) from recent_reviews explicitly states the app is a scam, does not raise credit scores, and has customer service representatives that are hard to understand.
Evidence (1)
“This is a scam app! You pay them to shop within their store and they say you shopped there and paid the bill. It doesn't raise your credit score and when you call customer service they are people that you can't understand.”Rating: 1★ May 01, 2026 - Confusing subscription plans can lead to users accidentally signing up for a more expensive plan than intended, potentially harming their credit or finances. low
Theme 'damaged credit / subscription confusion' identified in 1 recent review. Review #4 (2-star) from recent_reviews describes signing up for a refund program but ending up on a $30/month subscription plan, which they feel is damaging their credit.
Evidence (1)
“This app has done more to damage my credit than to aid it. I originally signed up for the program where I would recieve my payments back at the end of the pay period, but somehow signed up for a 30/m program which is just a subscription to build credit.”Rating: 2★ April 03, 2026 12 likes
Recent Reviews
HPLovinMama6
3★I used a different app in the past. This was easier at $5 per month and cheaper to build credit. I didn't mind that the credit could only be used in their store because it keeps you from spending, thus adding to your credit. It did help me build credit over a years time. I dropped it to 3 stars because it is an absolute nightmare to get your money out for the loan part. The hoops you have to jump through to get your own money is insane. I won't use that part again, unfortunately.
Jamie Nicole Davenport
1★It worked great when I first tried it, but then they locked me out of my account. When I try to login with my phone number, the only option it gives me, it says it is registered to another user and to try again. I only have one number and it's on my account with them. Now they are reporting on my credit. An app that was supposed to help me repair my credit is actually making it worse. DON'T USE THIS APP IF YOU ACTUALLY HOPE TO RAISE YOUR CREDIT SCORE!!!
dacunig
1★This is a scam app! You pay them to shop within their store and they say you shopped there and paid the bill. It doesn't raise your credit score and when you call customer service they are people that you can't understand. When I asked to speak with someone who could speak better so that I could understand what my money was used for during my six months with them, they told me to call back later! When the guy was explaining it he said there is no guarantee, the money is for the app and store.
mac rambo
2★This app has done more to damage my credit than to aid it. I originally signed up for the program where I would recieve my payments back at the end of the pay period, but somehow signed up for a 30/m program which is just a subscription to build credit. So you pay them out of pocket for nothing in return but a small credit bump, something you can get from finnacing an item of value to you. I never recieved a refund, would be 1 star if not for the customer service to help end my subscription.
Nickolas Morton
5★This app doesn't do a good job of explaining what it does. It gives you a fake credit line that they report to the credit bureaus. They also offer identity insurance, access to soft credit reports from all 3 bureaus, and a secured credit builder account. I think they also offer a bank account, but I haven't checked in a while. They also offer savings credit builders for like $10/month that you pay on for 12 months and they give you back the money. This is not a credit card, though.