# Kikoff

> Kikoff is a U.S. consumer fintech that sells low-cost credit-building subscriptions built around a restricted store credit account. It reports account activity to the three major credit bureaus and layers on rent reporting, monitoring, disputes, and debt negotiation tools.

- **Founded:** 2019
- **Headquarters:** San Francisco, United States
- **Founders:** Cynthia Chen (Co-founder and CEO), Christophe Chong (Co-founder and CTO)
- **Products:** Kikoff Credit Account, Basic, Premium and Ultimate plans, Rent Reporting, AI Debt Negotiation, AI Credit Disputes
- **Notable:** Raised $42.5 million across seed, Series A and Series B rounds announced by 2021., Kikoff says it has helped users add more than 80 million aggregate VantageScore 3.0 points through July 2025; this is a company-reported total, not a typical individual outcome., In a three-month pilot, Kikoff reported 77.5% agreement rate for AI debt negotiation and more than $100,000 in user savings.

## Products & services

- **Kikoff Credit Account** — Restricted revolving tradeline for purchases in the Kikoff Store; current Basic plan advertises a $750 reported tradeline and reporting to Equifax, Experian and TransUnion.
- **Basic, Premium and Ultimate plans** — Published prices of $5, $20 and $35 a month; higher tiers add larger reported tradelines and features such as bill reporting and identity protection.
- **Rent Reporting** — Reports verified rent history to Equifax and TransUnion; a partner offer includes up to 24 months of past payments.
- **AI Debt Negotiation** — Voice AI and human negotiators seek settlement offers for eligible debts; the company says the service is complimentary to users.
- **AI Credit Disputes** — Helps users identify credit report errors and draft tailored dispute letters.

## Achievements

- Raised $42.5 million across seed, Series A and Series B rounds announced by 2021.
- Kikoff says it has helped users add more than 80 million aggregate VantageScore 3.0 points through July 2025; this is a company-reported total, not a typical individual outcome.
- In a three-month pilot, Kikoff reported 77.5% agreement rate for AI debt negotiation and more than $100,000 in user savings.
- Kikoff’s LinkedIn profile says it has served 2 million customers.

## Latest updates

- **2026-05** — Announced a partnership with TheGuarantors offering its applicants complimentary rent reporting.
- **2025-07** — Joined the American Fintech Council.
- **2025-04** — Launched an AI debt negotiation tool and published three-month pilot results.
- **2025** — Launched AI Credit Disputes for report-error review and dispute letters.

## Links

- Website: https://kikoff.com
- LinkedIn: https://www.linkedin.com/company/getkikoff
- YouTube: https://www.youtube.com/@getkikoff
- Instagram: https://www.instagram.com/getkikoff/
- Facebook: https://www.facebook.com/GetKikoff/
- TikTok: https://www.tiktok.com/@getkikoff

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Profile page: https://yespress.io/kikoff
Published by YesPress — https://yespress.io
Last updated: 2026-09-29