If you're ready to build your credit, Kikoff is the fastest, smartest, and easiest way to do it.

Sign up for Kikoff Basic plan for just $10/month or Premium plan for $30/month. You'll get a credit line reported to Equifax every month. Each on-time payment builds payment history, which helps your credit! Whether you have low credit or no credit, we make it easy and worry-free – no credit check required and it only takes a few minutes to apply.

How it works:
1. We lower your credit utilization with a $1,500 or a $3,750 tradeline.
2. You make a purchase with that tradeline (limited to Kikoff), and you just pay back what you spend (our lowest + most popular payment amount is $10/month). We report those payments to Equifax every month while your utilization rate stays low.
3. You have the option to put your credit building on autopilot by turning on AutoPay – that's right, no heavy lifting required from you after account setup.

Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.