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Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

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.

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

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.

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

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.

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

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.

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

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.

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

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.

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

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.

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

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.

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

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.

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*

Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to Equifax, Experian, and TransUnion - which can result in a serious credit glow up.

Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

Kikoff's Premium and Ultimate plans can unlock even more features like Rent Reporting (building credit with the rent you already pay), identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

*Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

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.