{"app_store_id":1525159784,"slug":"kikoff-build-credit-quickly-1525159784","name":"Kikoff: Build Credit Quickly","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/ca/d7/74/cad774fa-02b8-ab2d-3d72-1a336e589fd7/AppIcon-enterprise-0-0-1x_U007epad-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/kikoff-build-credit-quickly/id1525159784?uo=4","price":0,"currency":"USD","rating":4.92537,"rating_count":277168,"in_app_purchases":null,"recent_rating":4.8,"recent_review_count":20,"reviews_checked_at":"2026-10-13T13:04:53.601Z","primary_genre":"Finance","version_date":"2026-10-14T18:51:52Z","updated_at":"2026-10-19T07:17:11.909Z","stale":false,"missing_since":null,"one_liner":"Credit builder app that reports payments to all 3 bureaus, with credit score monitoring and in-app credit error.","verified_maker":false,"maker_site":null,"file_size_bytes":248608768,"minimum_os":"15.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/42/54/4f/42544fb3-8275-0342-66a3-d02a35eb2b65/Apple_App_Store_1.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/69/bd/1a/69bd1a55-43cb-46ee-b42e-544716544fb0/Apple_App_Store_2.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/12/7c/e2/127ce2b4-b95a-71db-b66c-d45d256632fb/Social_Proof_Apple_App_Store_iPhone_16.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/53/20/7f/53207fb3-c873-2445-5fc6-0f4bd8a8623e/Apple_App_Store_3.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/99/c2/b6/99c2b64b-6781-b96b-73ae-ff9e115701ea/Apple_App_Store_4.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/07/3f/51/073f5128-ebe7-e052-5c93-f712aa94c824/Apple_App_Store_5.jpg/320x480bb.jpg"],"developer_name":"Kikoff Inc.","editors_choice":null,"url":"https://apptierlist.com/apps/kikoff-build-credit-quickly-1525159784/","api_url":"https://apptierlist.com/api/v1/apps/kikoff-build-credit-quickly-1525159784","schema_version":"1.0","generated_at":"2026-10-20T09:04:25.551Z","data_as_of":"2026-10-20T06:30:12.097Z","description":"Kikoff is the smartest way to build credit fast.\n\nStarting under 600? You could jump 25 points your first month.*\n\nPick a plan, starting at just $5 a month.†\n\nMake your first payment - and Kikoff starts reporting to all 3 bureaus (Equifax, Experian, and TransUnion) - which can result in a serious credit improvement.\n\nKikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.\n\nIn addition to building credit, Kikoff is the #1 app for monitoring your credit score. Quickly monitor your credit score at each of the 3 bureaus, and easily dispute credit errors in app at the press of a button.\n\nBuild your credit further using Kikoff’s rent reporting and bill reporting features, which let you build credit with the rent and utilities you already pay.\n\nKikoff's Premium and Ultimate plans can unlock even more features, such as identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.\n\nBest of all? No credit checks, no interest, and no hidden fees.\n\nKikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.\n\nGet started today.\n\n• Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.\n\n†Kikoff Credit Service starts at $5/mo for 12 mos.\n\n‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).\n\n§Based on Oct 2024 App Store ranking of credit builders in the \"Finance\" chart.\n\nKikoff Inc. PO Box 40070, Reno, NV 89504\n\nKikoff Inc. is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. The Kikoff Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International Incorporated.","facts":{"developer_id":1525159786,"developer_url":"https://kikoff.com","first_released":"2021-04-14T07:00:00Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"1.186.3775","release_notes":"We’re hard at work making sure Kikoff is the best credit-building companion for you.","rating_current_version":4.92537,"rating_count_current_version":277168,"star_counts":null,"genres":["Finance"],"languages":["EN"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-19T07:17:11.909Z","catalog_read_at":null,"reviews_checked_at":"2026-10-13T13:04:53.601Z","summary_written_at":"2026-10-17T03:17:13.398Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-20T06:30:12.097Z"},"editorial":{"one_liner":"Credit builder app that reports payments to all 3 bureaus, with credit score monitoring and in-app credit error.","what_is":"Kikoff is a finance app that gives users access to a specialized credit line designed to build credit, with monthly payments reported to Equifax, Experian, and TransUnion. The app also offers credit score monitoring at each bureau, in-app dispute tools, and optional rent and bill reporting. Kikoff Inc. States it is a financial technology company, not a bank.","good_for":["Building credit from a score below 600","Monitoring credit scores at all 3 bureaus","Adding rent and utility payments to credit reports"],"pricing":"Kikoff: Build Credit Quickly is free to download on the App Store.","faq":[{"q":"Does Kikoff require a credit check?","a":"The description says Kikoff has no credit checks, no interest, and no hidden fees. Access to the credit line is subject to approval."},{"q":"Which credit bureaus does Kikoff report to?","a":"Once you make your first payment, Kikoff starts reporting to all 3 bureaus: Equifax, Experian, and TransUnion."},{"q":"What do the Premium and Ultimate plans add?","a":"These plans can unlock identity theft insurance (up to $1 million) and higher tradelines (up to $3500), subject to approval."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T03:17:13.398Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":3,"tier":"A","score":86.2,"components":{"rating":98.5,"votes":94.4,"rank":52,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"credit-building","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":115120,"at":"2026-10-16T01:38:51.807Z","kind":"tier_changed","list":"credit-building","app_store_id":1525159784,"app":"kikoff-build-credit-quickly-1525159784","from":null,"to":"A","reason":"checked from the list's side: ranked #2","job":"rescore"},{"id":107099,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"credit-building","app_store_id":1525159784,"app":"kikoff-build-credit-quickly-1525159784","from":"A","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":67982,"at":"2026-10-13T01:41:55.819Z","kind":"tier_changed","list":"credit-building","app_store_id":1525159784,"app":"kikoff-build-credit-quickly-1525159784","from":"S","to":"A","reason":"score 86.2","job":"rescore"},{"id":46396,"at":"2026-10-09T17:18:33.693Z","kind":"tier_changed","list":"credit-building","app_store_id":1525159784,"app":"kikoff-build-credit-quickly-1525159784","from":"C","to":"S","reason":"score 86.2","job":"rescore"},{"id":38748,"at":"2026-10-09T08:38:03.422Z","kind":"tier_changed","list":"credit-building","app_store_id":1525159784,"app":"kikoff-build-credit-quickly-1525159784","from":null,"to":"C","reason":"score 73.2","job":"rescore"},{"id":27084,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"credit-building","app_store_id":1525159784,"app":"kikoff-build-credit-quickly-1525159784","from":null,"to":"active","reason":"Core job: a specialized credit line with payments reported to all 3 bureaus, marketed as the #1 credit builder, plus rent and bill reporting.","job":"fill"},{"id":21286,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1525159784,"app":"kikoff-build-credit-quickly-1525159784","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":3,"tier":"A","score":86.2,"components":{"rating":98.5,"votes":94.4,"rank":52,"recency":100},"ranks":[{"country":"us","rank":1}],"verdicts":[{"verdict":"keep","reason":"Kikoff's core product is a credit line that reports payments to all three bureaus to build credit, plus rent and bill reporting. 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