If you’re ready to build your credit, Kikoff is the fastest, smartest, easiest way to do it. Whether you have a low credit score or no credit score, we make it easy and worry-free – no credit check required and it only takes a few minutes to apply. Your purchase of the Kikoff credit service includes monitoring, credit tips, and other educational resources along with getting a credit line reported to the credit bureaus. For just $5/month (with no additional fees or interest – yes, really), you’ll get a credit line with a low utilization rate reported to Equifax and Experian every month. Having a low utilization rate is one of the biggest contributing factors to your credit score, plus Kikoff is designed to be a responsible way to build credit (without risk of going into credit card debt!). Each on-time payment builds payment history, which helps your credit score. How it works: 1. We set up a credit account for you and report it as a $750 credit line. 2. You make a purchase with that credit line (limited to Kikoff services), and you just pay back what you spend (our lowest + most popular payment amount is $5/month). We report those payments to the credit bureaus every month while your utilization rate stays low (like 8% 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.