Kikoff
Kikoff is a subscription-based credit-building service based in San Francisco. It offers a credit account, secured credit card, rent reporting, and debt negotiation tools. The Basic plan is $5/month for 12 months ($60 total); the Premium plan is $20/month and includes a $2,500 tradeline and access to the Kikoff Secured Credit Card. No hard credit check is required to sign up (identity verification still applies). It offers a credit-building tradeline (Credit Account), a Mastercard Secured Credit Card, rent and bill reporting, AI-powered debt negotiation, a free credit-dispute tool, privacy protection, and (on the Ultimate plan) $1M identity-theft insurance.
What you need to know about Kikoff
The company responds to most customer complaints in a satisfactory manner.
- Kikoff’s customer service response times can vary depending on the method of contact, the volume of inquiries, and the nature of the issue.
- You can resolve a problem with Kikoff with our insider guide or through its executive contacts.
- Here are our frequently asked questions about Kikoff.
How to resolve a problem with Kikoff
Try self-service first
Use our proven resolution methods, or Kikoff’s self-service links below.
Contact an executive
Start with the primary contact below, then escalate step by step if needed.
Get free advocacy help
Contact Elliott Advocacy for free mediation of unresolved complaints.
Note: If you’re having customer service trouble, please use our proven methods for fixing any consumer problem before contacting a manager.
We care about accuracy. If any of the following email addresses bounce back or the phone numbers are incorrect, please report it to us immediately through this form.
How fast does Kikoff respond?
Phone support
Response times are unknown.
Kikoff is available 4 a.m.–7 p.m. Pacific time, 7 days a week.
Call (844) 741-9292.
Kikoff is available 4 a.m.–7 p.m. Pacific time, 7 days a week.
Call (844) 741-9292.
Email supportsupport@kikoff.com
Response times are estimated at 1 to 5 business days.
Live chat support
Live chat is available to account holders through the Kikoff app or website after logging in.
Response times typically range from one to several hours, though Kikoff does not publish a specific target.
Response times typically range from one to several hours, though Kikoff does not publish a specific target.
Social media
Kikoff is active on Facebook, Instagram, and X. Response times via social media can range from a few hours to several business days, depending on the platform and the nature of the inquiry.
Access Kikoff's social media here.
Access Kikoff's social media here.
Help center/FAQ
Kikoff's help center/FAQ and FAQ provide immediate self-service answers to common questions.
Verified contacts
Kikoff customer service executives
Maintained by Elliott Advocacy and updated regularly. Here’s how we do it →
Kikoff self-service links
To sign up for Kikoff's credit-building service, visit kikoff.com/signup. No credit check is required. Plans start at $5 a month.
Kikoff customer service policies
Kikoff's privacy policy (last updated February 12, 2026) describes what personal information the company collects — including identifiers, device and browsing data, and professional information — how that information is used and shared with service providers and advertising partners, and how users can exercise state privacy rights. Residents of California, Connecticut, Minnesota, Montana, and Oregon may request access, correction, or deletion of their data by contacting privacy@kikoff.com.
Kikoff loyalty program
Kikoff does not have a loyalty program.
Frequently asked questions about Kikoff
To contact Kikoff call (844) 741-9282 or email support@kikoff.com.
Yes, account holders can contact Kikoff via an online chat service.
Yes, visit the website, log into your account, navigate to the "Products" section, to apply for the Kikoff Credit Card.
To cancel, log in to the Kikoff app, navigate to account settings, and follow the cancellation steps. You can also call Kikoff at (844) 741-9282 or email support@kikoff.com to request cancellation in writing. Kikoff sends a reminder email approximately 30 days before renewal; the company has stated that this email constitutes notice. If you believe a renewal was processed in error, contact support immediately and document your cancellation attempt with a screenshot or email confirmation. The 45-day money-back guarantee applies only to new subscribers who cancel within 45 days of the first purchase.
Closing any credit account can affect your credit score, particularly the "age of accounts" factor. Multiple users have reported that switching from one Kikoff plan to another resulted in the original account being reported as "closed" by the credit bureaus. Before changing plans, contact support@kikoff.com to ask how the change will be reported. If you believe a reporting error occurred, you can dispute it at disputecreditreportupload@kikoff.com.
Call Kikoff at (844) 741-9282 during business hours to reach a live representative. Live chat is available through the app or website to logged-in account holders; an AI bot handles initial inquiries and can route to a human agent. Email support@kikoff.com for non-urgent matters; response times are estimated at 1 to 5 business days. If you are unable to reach support after multiple attempts, you may escalate to the executive contacts listed above or file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.
Kikoff is required by the Fair Credit Reporting Act to report payment information accurately to the credit bureaus, including missed or late payments. A missed payment can negatively affect your credit score. Kikoff sends email reminders before payments are due and offers an autopay option to reduce the risk of missed payments. If you believe a late payment was reported in error, contact Kikoff at support@kikoff.com or file a dispute at disputecreditreportupload@kikoff.com.
Contact support@kikoff.com or call (844) 741-9282 as soon as possible. For secured credit card disputes, you can also locate the transaction in the Kikoff app and follow the dispute instructions, or call the card-related line at (844) 741-9277, which is available 24/7. For credit report errors, email disputecreditreportupload@kikoff.com. If your dispute is not resolved, you may escalate to the CFPB or your state financial regulator.
Kikoff's website is available in Spanish at kikoff.com/es, and the app displays some Spanish-language content. However, Spanish-language phone support is not consistently available according to user reviews; some customers report being redirected to English-only agents. If you need Spanish-language assistance and cannot reach a Spanish-speaking agent by phone, try emailing support@kikoff.com with your inquiry written in Spanish.
Kikoff offers a one-time 45-day money-back guarantee for new subscribers who cancel within 45 days of their first purchase of a Kikoff Credit Service plan or Kikoff Store item. Outside that window, Kikoff generally does not offer refunds for subscription fees. If you believe a charge was unauthorized, contact support@kikoff.com in writing with documentation.
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Disclaimer: Contact information is believed reliable but not guaranteed. Executives change contact details frequently. If an email bounces or a number is wrong, report it immediately. Published November 25, 2024. Updated May 16, 2026.