Kikoff

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'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.

To contact Kikoff call (844) 741-9275 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) 741-9275 or email support@kikoff.com to request cancellation in writing. Kikoff plans automatically renew for 12-month terms unless you turn off automatic renewal in your account settings. 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) 741-9275 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. 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) 741-9275 as soon as possible. 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.