They deliver on what they promise. They’ve helped me increase my credit score much faster than I expected and I will continue to use them. Some of their features don’t seem to work, at least not for m... See more
Company replied
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Review summary
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Reviews shaping this summary
Still a new user and score has gone up. I hope down the road I can come back and change this to 5 stars. FYI no issues or problems yet and I hope this company only continues to get better and care f... See more
Company replied
Kickoff has worked wonders for me thusfar. Easy payments, they report to ALL credit Bureaus, and my credit has risen past the national average. Best of all, if you're a couple days late, no worries,... See more
Company replied
Kickoff has been such an awesome experience for me because of how helpful they truly are!! Literally raised my score by hundreds of points! Plus helped me figure out exactly how to help my situa... See more
Company replied
Company details
Written by the company
Kikoff is a personal finance platform that expands access to credit and financial services, helping people build credit quickly and work toward long-term financial health. Founded by a team with personal experience navigating the challenges of credit access, Kikoff is committed to creating fair, effective tools that support real financial progress. Designed to rethink the traditional hurdles of credit building, Kikoff opens a path to get started in minutes - with no credit check. Headquartered in San Francisco, Kikoff is a licensed lender and uses bank-level encryption to protect customer data. Learn more at Kikoff.com or by downloading the Kikoff app.
#1 Credit Building App with 4.9 star rating on 75k+ reviews. Sign up in just minutes!
Written by the company
- Improve your credit utilization, payment history, and account age with Kikoff.
- Credit score under 600? Kikoff users see an avg increase of 58 pts. Individual results vary.
Give your credit score a boost with Kikoff
No credit check. No hidden fees.
Start building credit today. Zero Fees. Zero Interest. Zero Catch. Really.
Contact info
United States
- kikoff.com
4.3
Excellent
2K reviews
Replied to 98% of negative reviews
Typically replies within 48 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
It was super easy and quick
It was super easy and quick, I was very contemplative when going into doing this, but it starts working really quickly.
20 November 2025
Unprompted review
Reply from Kikoff
Thank you for your kind words! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!
They work hard to clean up just more…
They work hard to clean up more than just your credit
17 November 2025
Unprompted review
Reply from Kikoff
Thank you for your kind words! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!
Credit score has raised
My credit score has went up significantly using thank to using Kikoff!!
19 November 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Great Credit Tool
My credit score has increased 70 pts since I first began using Kikoff. I started with a credit account then added a savings/loan. Well worth every penny spent. I've been able to dispute inaccuracies and I have received so many credit offers including refinance offers on my current auto loan. Do yourself a favor and let them help you raise your credit score!
19 November 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
My credit hero
All though I wish my credit score was higher they have worked miracles for me
17 November 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Reply from Kikoff
Thank you so much for your kind words! We’re thrilled to hear you’re enjoying Kikoff, and your feedback really motivates us to keep making it better for you!
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
A small amount I hardly notice is…
A small amount I hardly notice is making a noticeable impact on my credit score. In coordination with other on time payments and an additional credit builder card with my bank, my score is up 100 points in under 6 months!
10 November 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
My niece signed me up almost 3 months…
My niece signed me up almost 3 months ago and my scores more than tripled!!! I was at a 4!! Now, I’m 667 in all three scores. I love this app!! Thank God for my niece😊
4 September 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
This company is great has helped me build my credit
This company is great has helped me raise my credit 75 points in a year something I never thought possible.
8 November 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Reply from Kikoff
Thank you for your kind words! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!
KICKOFF THE REAL MVP!!
Kickoff has been such an awesome experience for me because of how helpful they truly are!! Literally raised my score by hundreds of points!
Plus helped me figure out exactly how to help my situations when no one else would take the time to do so, THANKS KICKOFF!!
14 August 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Reply from Kikoff
Thank you for your kind words! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!
I really like the option to dispute…
I really like the option to dispute records on my credit report. It's been very helpful to me to go through the process and I've cleared up many negatives on my credit report thanks to this process. My credit score has even risen significantly!! Thanks!!
9 May 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Credit Score Stress Reliever
This company takes the stress and hassle off your hands and makes it easy to build your credit score fast and easily.
4 November 2025
Unprompted review
Reply from Kikoff
Thank you so much for your kind words! We’re thrilled to hear you’re enjoying Kikoff, and your feedback really motivates us to keep making it better for you!
Great company to trust with building your credit…
They really helped me build a good credit score & gave me plenty of options to choose from. Don’t be afraid to take the chance to fix your credit. It opens so many doors.
4 November 2025
Unprompted review
Reply from Kikoff
Thank you for your kind words! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!
You guys have helped me out so much I’m…
You guys have helped me out so much I’m greatful for all the help and support the app gives
8 October 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
I’ve noticed fraud on my account be…
I’ve noticed fraud on my account be removed. My score increased and I have approval for credit cards, it has began to help repair my credit health
4 November 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
Reply from Kikoff
Thank you for your kind words! We’re thrilled that you’re enjoying Kikoff. Your feedback motivates us to keep improving!
I’ve never expected to Kikoff to fix my…
I’ve never expected to Kikoff to fix my credit this way
I’m really full of joy because I’ve never thought I could have my credit raised up the way I have it right now
Thank you Kikoff
4 November 2025
Unprompted review
Reply from Kikoff
Thank you so much for your positive review! We’re delighted that Kikoff has been helpful in your credit-building journey. Your support means a lot to us!
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