Kikoff is a credit-building service designed to help you build credit safely and responsibly. Their products are designed to target the 5 major credit score factors.
- Credit Account - 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.
- 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, Experian, and TransUnion.
- Reduce your credit utilization: Signing up for Kikoff gives you access to a line of credit to make purchases from Kikoff.
- 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.
- Secured Credit Card - this is a 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.
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