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.
Kikoff Responsiveness rating
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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.
Kikoff customer service response times
| 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. |
| Email support support@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. |
| 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. |
| Help center/FAQ | Kikoff’s help center/FAQ and FAQ provide immediate self-service answers to common questions. |
How to resolve a problem with Kikoff
This guide on how to solve a customer service problem will help you resolve most problems with the company. You can also refer to the executive contacts below or contact our advocacy team directly.
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.Kikoff mailing address
P.O. Box 40070
Reno, NV 89504
Kikoff loyalty program
Kikoff does not have a loyalty program.
Kikoff social media channels
Kikoff executive customer service contacts
Primary Contact
Jennifer Bell
Director of Operations
75 Broadway
Suite 226
San Francisco, CA 94111
jennifer@kikoff.com
Secondary Contact
Christophe Chong
Co-Founder and CTO
75 Broadway
Suite 226
San Francisco, CA 94111
christophe@kikoff.com
Chief Executive
Cynthia Chen
75 Broadway
Suite 226
San Francisco, CA 94111
cynthia@kikoff.com
Kikoff customer service policies
Privacy policy
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.
Terms of service
Kikoff’s terms of service (revised November 12, 2025) govern use of the Kikoff website and mobile app by U.S. residents. The terms cover eligibility, proprietary content rights, and prohibited uses. They also contain a binding arbitration agreement that requires most disputes to be resolved on an individual basis rather than through class action; users have the right to opt out of arbitration as described in the document.
Kikoff self-service links
How do I create a Kikoff account?
To sign up for Kikoff’s credit-building service, visit kikoff.com/signup. No credit check is required. Plans start at $5 a month.
How do I log in to my Kikoff account?
To access your Kikoff account online, visit kikoff.com/login or open the Kikoff app on your mobile device.
How do I check my Kikoff credit score progress?
To monitor your credit score with Kikoff, log in to the app or website and navigate to the “Credit Progress” section. Kikoff provides weekly credit report updates to all plan holders.
How do I update my personal information on Kikoff?
To change your address, phone number, or other personal details on your Kikoff account, log in and navigate to the “Profile” section.
How do I update my Kikoff billing or payment information?
To update the payment method on your Kikoff account, log in and navigate to the “Billing” section. You can also set up autopay there to avoid missed payments.
How do I apply for the Kikoff Secured Credit Card?
To apply for the Kikoff Secured Credit Card, log in to the app and navigate to the “Products” section. The card is available by invitation to Premium and Ultimate plan holders; a minimum deposit of $50 is required.
How do I cancel my Kikoff subscription?
To cancel your Kikoff plan, use the cancellation flow in the app, call Kikoff at (844) 741-9282, or email support@kikoff.com. New subscribers may request a full refund within 45 days of their first purchase under Kikoff’s money-back guarantee.
How do I dispute a credit report error with Kikoff?
To dispute inaccurate information on your credit report, email Kikoff at disputecreditreportupload@kikoff.com or use the Kikoff Disputes feature in the app. You can also call Kikoff at (844) 741-9282 for assistance.
How do I see Kikoff's plan pricing?
To compare Kikoff’s Basic, Premium, and Ultimate subscription plans and their monthly costs, visit kikoff.com/pricing.
How does Kikoff's rent reporting work?
To report rent payments for credit building with Kikoff, log in to the app and navigate to the Rent Reporting section. Kikoff reports successful rental payments to Equifax and TransUnion and allows users to back-report up to 2 years of prior payments for a one-time fee. More information is at kikoff.com/rent-reporting.
How can I contact Kikoff customer service?
To contact Kikoff call (844) 741-9282 or email support@kikoff.com.
Does Kikoff have an online chat service?
Yes, account holders can contact Kikoff via an online chat service.
Can I apply for a Kikoff Credit Card through the website?
Yes, visit the website, log into your account, navigate to the “Products” section, to apply for the Kikoff Credit Card.
How do I cancel my Kikoff subscription and avoid being auto-renewed?
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.
Will canceling or switching my Kikoff plan hurt my credit score?
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.
How do I reach a live Kikoff customer service agent?
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.
What happens if I miss a payment on my Kikoff account?
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.
How do I dispute a charge on my Kikoff account?
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.
Is Kikoff available in Spanish?
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.
Can I get a refund from Kikoff?
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.
How to get professional help with your Kikoff problem
If you need help with Kikoff, you can contact our advocacy team or just click the "Get Help" button. For immediate assistance, you can also send us a message on our Facebook group. Note: We do not charge for our advocacy.
Get HelpDISCLAIMER: The names, numbers and email addresses on this page are provided for informational purposes and are believed to be reliable. However, they should in no way be construed as a guarantee of their accuracy by Elliott.org. Company executives change their email addresses and phone numbers frequently to avoid contact with customers.
If an email address bounces or a phone number is wrong, please report it to us immediately through this form.
What do you think of Kikoff?
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You are throwing your money away and when you close your account you get nothing back.. Scam
Super fast and easy, did it in five minutes and it immediately starts working.
They are incredibly awesome with customer service and getting your credit up really fast and all that they do for your credit report and your credit writing and the customer service is just so awesome and such a blessing I love kickoff. They have been such a blessing in a relief to my identity, theft, and credit report. I appreciate them so much. I’m so happy to be with them sincerely, Felicia Anna Chestang thank you kickoff.