Credit Builder Accounts

• Your payment performance is reported monthly to TransUnion®, Equifax®, Experian®, and Innovis®.
• Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo.
• Lower your monthly interest payments when you have a higher credit score.
• Better credit makes owning a car and home possible, with higher odds for approval.
• Get your FICO® Score and see your credit score journey progress every month.

How it works:

1. Build with Installments: pay $10/month over 24 months.
2. Learn with Courses: pick up useful skills.
3. Earn with Rewards: up to 1% back on eligible loan offers.

Key features:

• Flat monthly rate
• Instant approval
• No credit check / no hard pull
• No bank account needed
• $0 security deposit
• $0 setup/admin fees
• $0 annual fees
• $0 late fees
• $0 prepayment fees
• 0% APR

Requirements:

• You must be at least 18 years of age
• You must have a valid U.S. Social Security Number

Available in all 50 states.

• Self Financial may help you get a Credit Builder Account through their banking partners, which has a term of 24 months.
• All payments are reported to the three major credit bureaus as an installment loan which helps consumers build credit.
• Savings plans start at $25/month and include credit monitoring.  At the end of account term, The account may help you built credit history and your CD savings unlock. (minus interest and fees)

Build credit with Kikoff.  The safe way to build credit..

We help you establish positive payment history and lower utilization, both important factors for raising your credit score.

• No credit check. No hard pulls required
• Starts at $5/mo. Cancel anytime
• With 0% interest
• Open your account in minutes
• Easy & automatic.  With the optional Autopay, never worry about due dates.

How does Kikoff work?

Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.

Kikoff offers 2 products:

1. Kikoff Credit Account - this is a revolving line of credit. This account builds monthly payment history and helps reduce your credit utilization.
2. Kikoff Credit Builder Loan - this is an additional product for customers with positive payment behavior on Kikoff products. Credit Builder Loan is a 1-year savings plan for $10/month.

Is this a credit card?

The Kikoff Credit Account is a revolving line of credit that gets reported to Equifax and Experian.

You are able to use the Kikoff Credit Account to finance the purchase of goods and services from Kikoff.

Unlike a credit card, the Kikoff Credit Account can only be used to make purchases from Kikoff (e.g. can’t buy gas or groceries)

Which bureaus does Kikoff report to?

Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion.

Please note that reporting depends upon which Kikoff products you have:

Kikoff Credit Account reports to Equifax and Experian.

Credit Builder Loan (optional add-on) reports to TransUnion and Equifax.

Please see all terms and conditions and state availability: https://kikoff.com/terms.pdf

Multiple Ways to Build Credit.

A CreditStrong account is the fusion of a secured consumer installment loan and a savings account. During the life of your CreditStrong account you build both credit history and savings.

• Instantly build revolving credit with no minimum monthly payment required with CreditStrong Revolv
• Build installment credit and savings with low fixed monthly payments with CreditStrong Instal
• Build supersized installment credit with supersized plans with CS MAX

Credit Strong is a Division of Austin Capital Bank© 2024 Member FDIC.