Customer experiences
Trustpilot company reviews — independent customer feedback
3.9 / 5
From 2,342 reviews · Checked October 10, 2026
This is a dated company-level snapshot, not a live score or rating of a particular plan. Counts and scores change; follow the link for current figures.
Read customer reviews on TrustpilotWhat some customers appreciate
Some reviewers find enrollment straightforward and report good personal experiences with credit-building.
Common concerns
Other reviewers report subscription, cancellation, payment or support frustrations.
Read original customer experiences
- Positive: A customer described credit progress while using the service, an individual experience rather than a typical result. Original review
- Mixed: A reviewer liked some features but reported trouble understanding annual prepayment and refund handling. Original review
- Critical: A customer alleged charges after cancellation; the final outcome was not independently established. Original review
These are individual accounts, not independently verified outcomes or representative statistics. Credit changes depend on the full credit profile; no results are guaranteed. Trustpilot does not sponsor or endorse this All In One Credit comparison.
Quick Facts
- Account type
- Restricted-use financed revolving Credit Account
- Starting price
- $5/month Basic
- Monthly cost
- Basic $5; Premium $20; Ultimate $35
- Reports to
- Core Credit Account: Experian, Equifax and TransUnion on ALL paid tiers
- Kikoff tradeline
- $750 / $2,500 / $3,500 for Kikoff products and services only
- Rent reporting
- Basic and higher: eligible rent to Equifax and TransUnion
- Bill reporting
- Premium/Ultimate: eligible phone and utilities to TransUnion
- Basic credit reports
- Weekly credit report
- Premium credit reports
- Premium and Ultimate: monthly three-bureau credit reports and monitoring
- Historical rent
- Optional $50 lookback, up to 24 verified months
- Card applications
- Kikoff secured card discontinued for new customers
- Contract
- Monthly plan
Plans & pricing
Compare this provider's plans side by side. Verified 2026-10-10 (retail plan features checked against official Kikoff research); confirm current terms with the provider before enrolling.
Reports to bureaus
Core Credit Account: Experian, Equifax and TransUnion on EVERY paid tier
Rent reporting is separate (Equifax and TransUnion, eligible payments). Premium/Ultimate eligible bill reporting is TransUnion-only.
Reports & scores from bureaus
Basic: weekly credit report; Premium/Ultimate: monthly three-bureau credit reports and monitoring
A three-bureau reported revolving account does NOT mean the Basic plan includes three-bureau monitoring.
Basic
$5/mo
Billed monthly; cancel anytime
Upfront: No upfront security deposit advertised
- $750 Kikoff tradeline for Kikoff products and services
- Core revolving history furnished to Experian, Equifax and TransUnion
- Eligible rent reporting to Equifax and TransUnion
- Weekly credit report
- Tradeline only for Kikoff products and services
- No Premium utility/phone reporting
Add-ons
Optional past-rent lookback: $50 one-time for up to 24 verified months
Best fit: Lowest-cost recurring Kikoff account for restricted revolving history and eligible rent.
Premium
$20/mo
Billed monthly; cancel anytime
Upfront: No upfront security deposit advertised
- $2,500 Kikoff tradeline for Kikoff products and services
- All-tier core furnishing to three bureaus
- Monthly three-bureau credit reports and monitoring
- Eligible phone/utility reporting to TransUnion
- Qualifying rent reporting to Equifax and TransUnion
- Tradeline only for Kikoff products and services
- $15/month more than Basic
- Bank-linked bill qualifications
Best fit: People who need the extra monitoring and can use eligible TransUnion bill reporting.
Ultimate
$35/mo
Billed monthly; cancel anytime
Upfront: No upfront security deposit advertised
- $3,500 Kikoff tradeline for Kikoff products and services
- All Premium credit/eligible bill features
- Conditional identity-theft protection/insurance and personal-data removal
- $15/month more than Premium
- Privacy and insurance benefits depend on eligibility/policy
- No guaranteed additional credit results
Best fit: Customers who value the extra protection beyond the already complete Basic core furnishing.
Note that Kikoff's service and features are separate from those offered by our organization. Kikoff's fees and terms are separate from those associated with our organization's services. Individual results may vary. Subject to approval. Terms & conditions may apply. Plans start at $5/mo for 12 mos. Autopay requires opt-in. Features & bureau reporting may vary depending on plan purchased. Subject to approval. Kikoff tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).
You'll choose your exact plan on the provider's site.
All Kikoff plans use a Kikoff tradeline intended for Kikoff products and services. Secured card signups have closed; existing card purchases are scheduled to end November 17, 2026. Plans are billed monthly and members can cancel anytime; autopay is opt-in on all plans.
Eligibility
- Adult, eligible U.S. residency and identity
- No hard inquiry advertised for core
- Verified lease and linked bank records for rent
- Qualifying bills paid from an eligible linked account
Key costs and differences before you enroll
Evidence-based plan details, checked October 10, 2026. Provider agreements and individual eligibility control.
$5 Basic reports to all three
Basic's $750 restricted core account furnishes to Experian, Equifax and TransUnion. Basic includes a weekly credit report; monthly three-bureau reports and monitoring come with Premium and Ultimate.
Rent and utilities differ
Qualifying rent goes to Equifax and TransUnion even on Basic. Eligible bills on Premium/Ultimate go to TransUnion only.
Kikoff-only tradeline
A Kikoff tradeline can only be used for Kikoff products and services. New Kikoff secured-card signups have ended.
Who It May Be Best For
Consumers who can maintain a $5 monthly obligation for restricted-use revolving payment history, especially if eligible rent verification is useful. Higher tiers only make sense when added monitoring, eligible bills or insurance justify their expense.
Who May Want Another Option
People needing withdrawable cash, a card for grocery purchases, held savings returned at the end, or guaranteed credit results should choose a product aligned with that goal. Existing payment hardship is a reason to avoid additional obligations.
How It Works
Kikoff creates a restricted revolving Credit Account for purchases of Kikoff's own services and furnishes account activity to Experian, Equifax and TransUnion on all three paid tiers, including Basic. The tradeline can only be used for Kikoff products and services. Basic includes eligible rent reporting to Equifax and TransUnion and a weekly credit report; Premium/Ultimate add monthly three-bureau credit reports and monitoring, plus qualifying bill reporting to TransUnion. New Kikoff secured-card applications are closed.
Pricing and Fees
Basic $5/month advertises a $750 Kikoff tradeline; Premium $20/month advertises $2,500; Ultimate $35/month advertises $3,500. Each tier costs $15/month more than the one below it. Plans are billed monthly and members can cancel anytime; they are not 12-month contracts. Optional qualifying prior-rent lookback is $50, with up to 24 verified months.
Credit Bureau Reporting
The CORE restricted credit account furnishes to Experian, Equifax and TransUnion on Basic, Premium and Ultimate. That does NOT mean every plan includes three-bureau report/score MONITORING. Basic includes a weekly credit report; Premium and Ultimate add monthly three-bureau credit reports and monitoring. Eligible RENT is separate, reported to Equifax and TransUnion. Eligible phone/utility BILLS under Premium/Ultimate are reported to TransUnion only. Exact first report processing varies and is not guaranteed.
Eligibility
Kikoff generally requires adult U.S. identity/residency, eligible identification/SSN or TIN, a U.S. address, SMS contact and a usable payment method. No hard credit inquiry is advertised for the core account, but identity checks and eligibility apply. Rent requires a verified lease and bank-linked payments; bill reporting needs qualifying direct payments from the consumer's own account.
Important Limitations
A Kikoff tradeline can only be used for Kikoff products and services. Monthly plan fees pay for services and are not savings returned later. Payment failure can cause late marks or a charge-off despite no advertised late fee. Autopay is opt-in on all plans. Plans are billed monthly and members can cancel anytime. A 45-day guarantee is conditional. The old secured card is unavailable for new applicants and existing cards are scheduled to stop working November 17, 2026.
Alternatives
Self's held-proceeds installment CBA has returned principal but interest/costs; Self's eligible free rent reporting may be enough for rent-only needs. Kovo is a financed service purchase with installment furnishing and no cash return. Customers looking for everyday card purchases should compare currently available secured cards rather than Kikoff's tradeline.
Final Summary
Kikoff Basic can add restricted-use revolving history for $5 monthly with three-bureau core account furnishing and eligible rent reporting. Premium and Ultimate buy extra tools, NOT exclusive access to three-bureau core furnishing. Costs and features vary by plan; avoid recommending the retired secured card or promising credit results.
Pros
- $5/month Basic plan with core account reporting to Experian, Equifax and TransUnion
- Eligible rent reporting to Equifax and TransUnion available even on Basic
- Premium and Ultimate add monthly three-bureau credit reports, monitoring and eligible TU bill reporting
- No advertised hard inquiry for initial core Credit Account
- Three plans give a choice of budget and optional added protections
Cons
- The advertised $750–$3,500 Kikoff tradeline only works for Kikoff products and services
- Higher tiers cost $15/month more at each step
- Credit Account delinquency can harm credit even if some rent/bill reporting is positive-only
- Kikoff secured card no longer accepts new applications
Frequently Asked Questions
Does Kikoff Basic furnish to all three credit bureaus?
Yes. Kikoff's core Credit Account on the $5 Basic plan reports to Experian, Equifax and TransUnion. Premium is for extra benefits, not a prerequisite for basic three-bureau furnishing.
Can I use the $750 Basic tradeline anywhere?
No. The Kikoff tradeline is intended for financing Kikoff products and services, like your monthly Kikoff plan.
Does Basic include rent reporting?
Yes. Rent reporting is included on all plans, including Basic. Qualifying rent payments may go to Equifax and TransUnion after verification. Older history can require a $50 optional add-on.
Are bills reported to all three bureaus?
No. Eligible phone/utility payments on qualifying higher tiers are currently reported to TransUnion, not all three.
Can I still apply for Kikoff's secured card?
No. New applications have been discontinued and the published schedule ends existing card purchases November 17, 2026.
Is Kikoff a 12-month contract?
No. Kikoff plans are billed monthly and members can cancel anytime. Autopay is opt-in on all plans.
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